| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | The Citizens National Bank of Somerset | Bank | 7 | $510.9M | 25.90% |
| 2 | Cumberland Security Bank, Inc. | Bank | 4 | $359.4M | 18.22% |
| 3 | First & Farmers National Bank, Inc. | Bank | 5 | $263.5M | 13.36% |
| 4 | The Monticello Banking Company | Bank | 2 | $184.8M | 9.37% |
| 5 | Forcht Bank, National Association | Bank | 2 | $159.3M | 8.07% |
| 6 | Truist Bank | Bank | 1 | $134.1M | 6.80% |
| 7 | Community Trust Bank, Inc. | Bank | 2 | $86.1M | 4.36% |
| 8 | L & N Federal Credit Union | Credit union | 1 | $80.7M* | 4.09% |
| 9 | First Southern National Bank | Bank | 1 | $76.8M | 3.90% |
| 10 | Cumberland Valley National Bank & Trust Company | Bank | 1 | $41.9M | 2.13% |
| 3 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.97B | 13 | 29 | The Citizens National Bank of Somerset | 25.9% | 1,441 |
| 2025 | $1.92B | 13 | 29 | The Citizens National Bank of Somerset | 26.0% | 1,441 |
| 2024 | $1.78B | 13 | 29 | The Citizens National Bank of Somerset | 26.4% | 1,437 |
| 2023 | $1.77B | 13 | 29 | The Citizens National Bank of Somerset | 25.8% | 1,409 |
| 2022 | $1.74B | 12 | 28 | The Citizens National Bank of Somerset | 28.0% | 1,482 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.