Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$706M
Total Deposits
$565M
Net Loans
$363M
Net Income
$3M
ROA
1.65%
Above avg for Small banks. Peer avg: 0.44%
ROE
28.56%
Risk-Based Capital
16.09%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 217 | 82.03% | 9.22% |
| 2023 | 215 | 66.05% | 16.74% |
| 2022 | 493 | 77.89% | 8.72% |
| 2021 | 611 | 81.51% | 9.33% |
| 2020 | 836 | 82.42% | 4.90% |
| 2019 | 403 | 76.43% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2023 | Satisfactory | Intermediate Small Bank |
| Mar 2020 | Satisfactory | Intermediate Small Bank |
| May 2017 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1990
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
10
Branch Deposits
$553M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-citizens-national-bank-of-somerset" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 367 | 70.84% | 14.44% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red