US Bank Directory
Banks in Somerset, KY
12 FDIC-insured banks operate 25 offices in Somerset, Kentucky, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Somerset
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 13 banks and credit unions operate 26 locations in Somerset, according to the FDIC and the NCUA. 25 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
25 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Somerset
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Citizens National Bank of Somerset has the most locations in Somerset, with 6. It is followed by First & Farmers National Bank (3), Cumberland Security Bank (3), Community Trust Bank (2). 5 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Citizens National Bank of Somerset Bank · 6
The Citizens National Bank of Somerset has 6 branches in Somerset, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Somerset, KY and show it operating since 1919. With $700.9 million in total assets on June 30, 2026, it ranks No. 1,378 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is its main office at 44 Public Sq, dating to 1919; the newest, at 4145 S Highway 27, to 1998. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office44 Public Sq, 42501
-
Coffman Building Branch107 E Mount Vernon St, 42501
-
Plaza Branch293 N Highway 27, 42503
-
Waitsboro Branch4145 S Highway 27, 42501
-
Burnside Branch6385 S Highway 27, 42501
-
Citizens 27 Branch800 S Highway 27, 42501
Cumberland Security Bank Bank · 3
Cumberland Security Bank has 3 branches in Somerset, 4 across Kentucky and 4 nationwide. FDIC records list its main office in Somerset, KY and show it operating since 1909. With $420.1 million in total assets on June 30, 2026, it ranks No. 2,007 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is its main office at 107 S Main St, dating to 1909; the newest, at 377 S Highway 27, to 1998. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office107 S Main St, 42501
-
South Branch3758 South Hgwy 27, 42501
-
Somerset Branch377 S Highway 27, 42501
First & Farmers National Bank Bank · 3
First & Farmers National Bank has 3 branches in Somerset, 11 across Kentucky and 11 nationwide. FDIC records list its main office in Somerset, KY and show it operating since 1903. With $714.2 million in total assets on June 30, 2026, it ranks No. 1,367 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is its main office at 2020 S Highway 27, dating to 1903; the newest, at 527 N Main St, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office2020 S Highway 27, 42501
-
Somerset Plaza Branch100 Turner St, 42503
-
Somerset North Main Street Branch527 N Main St, 42501
Community Trust Bank Bank · 2
Community Trust Bank has 2 branches in Somerset, 69 across Kentucky and 78 nationwide. FDIC records list its main office in Pikeville, KY and show it operating since 1903. With $6.95 billion in total assets on June 30, 2026, it ranks No. 223 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is the Somerset South Branch at 3809 S Highway 27, dating to 1995; the newest, at 239 N Highway 27, to 1997. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset North Branch239 N Highway 27, 42503
-
Somerset South Branch3809 S Highway 27, 42501
First Southern National Bank Bank · 2
First Southern National Bank has 2 branches in Somerset, 17 across Kentucky and 17 nationwide. FDIC records list its main office in Lancaster, KY and show it operating since 1865. With $1.28 billion in total assets on June 30, 2026, it ranks No. 858 of 4,232 U.S. banks by total assets. The Somerset Branch at 15 N Highway 27 dates to 1883 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Branch15 N Highway 27, 42503
-
Lincoln/Pulaski Courier Ser. Branch15 N Highway 27, 42503
Forcht Bank Bank · 2
Forcht Bank has 2 branches in Somerset, 22 across Kentucky and 23 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 2002. With $1.65 billion in total assets on June 30, 2026, it ranks No. 685 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is the Somerset Banking Center Branch at 1846 S Highway 27, dating to 1997; the newest, at 4710 S Highway 27, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Banking Center Branch1846 S Highway 27, 42501
-
Waitsboro Banking Center Branch4710 S Highway 27, 42501
The Monticello Banking Bank · 2
The Monticello Banking has 2 branches in Somerset, 21 across Kentucky and 21 nationwide. FDIC records list its main office in Monticello, KY and show it operating since 1895. With $1.07 billion in total assets on June 30, 2026, it ranks No. 987 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Somerset location is the Somerset North Branch at 475 E Highway 80, dating to 1999; the newest, at 3653 S Highway 27, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset South Branch3653 S Highway 27, 42501
-
Somerset North Branch475 E Highway 80, 42501
Citizens Bank Bank · 1
Citizens Bank has 1 branch in Somerset, 5 across Kentucky and 5 nationwide. FDIC records list its main office in Mount Vernon, KY and show it operating since 1904. With $250.4 million in total assets on June 30, 2026, it ranks No. 2,726 of 4,232 U.S. banks by total assets. The Somerset Branch at 1850 S Highway 27 dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Branch1850 S Highway 27, 42501
Cumberland Valley National Bank Bank · 1
Cumberland Valley National Bank has 1 branch in Somerset, 14 across Kentucky and 14 nationwide. FDIC records list its main office in London, KY and show it operating since 1904. With $816.1 million in total assets on June 30, 2026, it ranks No. 1,240 of 4,232 U.S. banks by total assets. The Somerset Lodge Branch at 1520 S Highway 27 dates to 2002 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Lodge Branch1520 S Highway 27, 42501
L & N Credit Union Credit union · 1
L & N Credit Union has 1 office in Somerset, 25 across Kentucky. It is based in Louisville, KY and $2.58 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Somerset2599 S Highway 27, 42501
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
South Central Bank, Inc. Bank · 1
South Central Bank, Inc. has 1 branch in Somerset, 26 across Kentucky and 27 nationwide. FDIC records list its main office in Glasgow, KY and show it operating since 1908. With $2.26 billion in total assets on June 30, 2026, it ranks No. 550 of 4,232 U.S. banks by total assets. The Somerset Branch at 3977 Robinson Way N dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Branch3977 Robinson Way N, 42503
Truist Bank · 1
Truist has 1 branch in Somerset, 53 across Kentucky and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Langdon Branch at 546 S Highway 27 dates to 1935 in FDIC branch records. Its published hours do not list Saturday.
-
Langdon Branch546 S Highway 27, 42501
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Cumberland Bank Bank · 1
United Cumberland Bank has 1 branch in Somerset, 4 across Kentucky and 7 nationwide. FDIC records list its main office in Whitley City, KY and show it operating since 1906. With $460.2 million in total assets on June 30, 2026, it ranks No. 1,891 of 4,232 U.S. banks by total assets. The Somerset Branch at 2568 S Highway 27 dates to 2017 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Somerset Branch2568 S Highway 27, 42501
Join a credit union in Somerset
1 credit union has 1 office here: L & N Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Somerset page has every office in the state's directory.
Banking in Somerset: the local picture
Short answer: 12 banks run 25 branches in Somerset according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 12 banks, 3 have their main office in Somerset, 8 elsewhere in Kentucky and 1 out of state, according to the FDIC.
The bank with the longest record here is First Southern National Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is First Southern National Bank's office at 15 N Highway 27, dating to 1883; the newest is South Central Bank, Inc.'s at 3977 Robinson Way N, from 2023.
The only credit union with an office here is L & N Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 24 locations have no published hours in these sources.
Banks by ZIP code in Somerset
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 42501 has the most bank and credit union offices in Somerset (20), followed by 42503 (6). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 42501 | 20 | 11 | The Citizens National Bank of Somerset, Cumberland Security Bank, First & Farmers National Bank |
| 42503 | 6 | 5 | First Southern National Bank, Community Trust Bank, First & Farmers National Bank |
Credit unions open on Saturday in Somerset
Short answer: 1 of the 2 Somerset locations with published hours opens on Saturday, run by 1 institution.
- L & N Credit Union: 1 of 1 office (2599 S Highway 27: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 24 of the 26 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Somerset, and where the nearest one is if they do not.
Short answer: In Somerset: Truist (1). No branches in Somerset: Chase (nearest in Danville, 41 mi), Wells Fargo, Bank of America (nearest in Lexington, 63 mi), PNC Bank (nearest in London, 29 mi), U.S. Bank (nearest in Berea, 38 mi), Fifth Third Bank (nearest in Richmond, 49 mi), Huntington (nearest in Walton, 127 mi), Regions Bank (nearest in Franklin, 111 mi), TD Bank, BMO.
| Bank | In Somerset | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Danville, 41 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 63 miles away |
| PNC Bank | None | London, 29 miles away |
| U.S. Bank | None | Berea, 38 miles away |
| Fifth Third Bank | None | Richmond, 49 miles away |
| Huntington | None | Walton, 127 miles away |
| Regions Bank | None | Franklin, 111 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Somerset to the nearest branch in Kentucky.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Somerset residents like anyone else.
Banks near Somerset
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Nancy (7 miles) and Monticello (20 miles). London, 29 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Nancy, KY | 7 mi | 2 | 2 |
| Banks in Monticello, KY | 20 mi | 4 | 7 |
| Banks in Liberty, KY | 24 mi | 3 | 4 |
| Banks in Russell Springs, KY | 25 mi | 6 | 8 |
| Banks in Mount Vernon, KY | 25 mi | 4 | 5 |
| Banks in Jamestown, KY | 25 mi | 2 | 3 |
| Banks in London, KY | 29 mi | 10 | 19 |
| Banks in Corbin, KY | 30 mi | 8 | 17 |
Bank branch openings and closings in Somerset
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Somerset between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Somerset
Short answer: 3 institutions have their main office in Somerset: The Citizens National Bank of Somerset, First & Farmers National Bank and Cumberland Security Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Citizens National Bank of Somerset | Bank | $700.9 million | 6 |
| First & Farmers National Bank | Bank | $714.2 million | 3 |
| Cumberland Security Bank | Bank | $420.1 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Somerset by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Somerset offices.
Short answer: Truist is the largest bank with offices in Somerset, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. Community Trust Bank is second with $6.95 billion. 3 of the 12 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Community Trust Bank | $6.95 billion | No. 223 | 2 | Pikeville, KY |
| South Central Bank, Inc. | $2.26 billion | No. 550 | 1 | Glasgow, KY |
| Forcht Bank | $1.65 billion | No. 685 | 2 | Lexington, KY |
| First Southern National Bank | $1.28 billion | No. 858 | 2 | Lancaster, KY |
| The Monticello Banking | $1.07 billion | No. 987 | 2 | Monticello, KY |
| Cumberland Valley National Bank | $816.1 million | No. 1,240 | 1 | London, KY |
| First & Farmers National Bank | $714.2 million | No. 1,367 | 3 | Somerset, KY |
| The Citizens National Bank of Somerset | $700.9 million | No. 1,378 | 6 | Somerset, KY |
| United Cumberland Bank | $460.2 million | No. 1,891 | 1 | Whitley City, KY |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Somerset: FAQ
How many banks are in Somerset, KY?
Somerset has 12 banks with 25 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Somerset?
The Citizens National Bank of Somerset, with 6. First & Farmers National Bank has 3 and Cumberland Security Bank has 3.
Is there a First & Farmers National Bank in Somerset, KY?
Yes. FDIC data lists 3 First & Farmers National Bank branches in Somerset as of September 5, 2026, the main office at 2020 S Highway 27. Its branches are listed under First & Farmers National Bank above, with the address and directions for each.
Is there a Cumberland Security Bank in Somerset, KY?
Yes. FDIC data lists 3 Cumberland Security Bank branches in Somerset as of September 5, 2026, the main office at 107 S Main St. Its branches are listed under Cumberland Security Bank above, with the address and directions for each.
Is there a Chase in Somerset, KY?
No. FDIC data lists no Chase branch in Somerset as of September 5, 2026. The nearest is in Danville, about 41 miles away in a straight line.
Which banks in Somerset are open on Saturday?
L & N Credit Union publishes Saturday hours for one or more Somerset locations. The Saturday section above lists each one with its hours. 24 of the 26 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Somerset?
The Citizens National Bank of Somerset, First & Farmers National Bank and Cumberland Security Bank have their main office in Somerset, according to the FDIC.
What is the oldest bank in Somerset?
First Southern National Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Somerset?
L & N Credit Union has an office in Somerset. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Somerset in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Somerset?
Nearby cities with more banks include Nancy, Monticello, Liberty. Nancy is 7 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Bank branch hours, phones and branch pages (1 of 25 branches: Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds