Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.1 and a capital leverage ratio of 12.4. A current level of 0.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 29.1 percent and a “hot money” ratio of 17.8 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (59%), home mtgs (13%), cash (7%), consumer loans (3%), home eq lns (3%), comm loans (3%), comm re (2%), other (10%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CNB of Lebanon Bancorp, Inc.
Investment Rating
--
Address
149 West Main Street
Lebanon, KY 40033
Lebanon, KY 40033
Phone Number
(270) 692-2113
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.