Citizens Nb Of Somerset (FDIC #2725): Bank Stress & Real-Estate Credit Exposure
Citizens Nb Of Somerset (FDIC Cert #2725): bank stress 67/100, elevated, STABLE over 7 days; parent CITIZENS BANCSHARES INC.
Citizens Nb Of Somerset (#2725) lends in 5 counties across 1 state; Citizens Nb Of Somerset (#2725) reaches 28 ZIP codes: Kentucky 5 counties, 28 ZIPs.
Citizens Nb Of Somerset (#2725) largest markets: Pulaski County, KY (77 branches, 11 ZIPs) (#2725), Russell County, KY (7 branches, 7 ZIPs) (#2725), Jessamine County, KY (5 branches, 5 ZIPs) (#2725), Madison County, KY (5 branches, 5 ZIPs) (#2725), Wayne County, KY (5 branches, 5 ZIPs) (#2725).
Citizens Nb Of Somerset (#2725) reports $700.9 million in total assets; Citizens Nb Of Somerset (#2725) equity $41.1 million (5.9% of Citizens Nb Of Somerset (#2725) assets); Citizens Nb Of Somerset (#2725) domestic deposits $569.0 million; Citizens Nb Of Somerset (#2725) net income $6.1 million; Citizens Nb Of Somerset (#2725) return on assets 1.73%; Citizens Nb Of Somerset (#2725) return on equity 29.71%; Citizens Nb Of Somerset (#2725) net interest income $11.6 million; Citizens Nb Of Somerset (#2725) call report June 30, 2026.
Citizens Nb Of Somerset (#2725) noncurrent real-estate loans: none reported; Citizens Nb Of Somerset (#2725) net charge-offs on real estate 0.20%.
Citizens Nb Of Somerset (#2725) net interest margin 3.41% against an eight-quarter Citizens Nb Of Somerset (#2725) average of 3.05% (Citizens Nb Of Somerset (#2725) compression -0.36 points); Citizens Nb Of Somerset (#2725) real-estate loans 0.3% of equity; Citizens Nb Of Somerset (#2725) rate-exposure score 40/100, Citizens Nb Of Somerset (#2725) fixed-rate trap 40/100; Citizens Nb Of Somerset (#2725) risk type credit driven; Citizens Nb Of Somerset (#2725) rate regime rates elevated, Citizens Nb Of Somerset (#2725) snapshot October 19, 2026.
Citizens Nb Of Somerset (#2725) stress score moved from 67.6 on June 22, 2026 to 66.8 on October 19, 2026; Citizens Nb Of Somerset (#2725) ranged 66.8 to 67.6 over 116 snapshots.
Citizens Nb Of Somerset (#2725) alerts: 5 counties; top Citizens Nb Of Somerset (#2725) alert scores: Monticello County, KY 25 (low); Nicholasville County, KY 25 (low); Richmond County, KY 25 (low); Russell Springs County, KY 25 (low); Somerset County, KY 25 (low).