B
Citizens Bank and Trust of Lebanon, Inc.
Lebanon,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.33
Return On
Assets
0.94%
Total
Assets
172.98M
Capital
10.34M
Total
Deposits
156.93M
Net
Income
794.00K
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Weiss Ratings Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Rating B
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 3.80
Stability Index 3.10
Company Info Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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FDIC Number 2753
Phone Number (270) 692-2113
Website www.cnboflebanon.com
Asset Quality Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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1-Year Asset Growth 13.43%
5-Year Asset Growth 3.77%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.48%
Non-Performing Loans to Loans 0.18%
Balance Sheet Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Total Assets 172.98M
Total Deposits 156.93M
Capital and Reserves Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Capital 10.34M
Leverage Ratio 11.33
Loan Loss Reserves to Loans 0.64%
Risk-Based Capital Ratio --
Liquidity Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Hot Money Ratio 16.22%
Liquidity Ratio 25.29%
Profitability Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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5-Year Return on Average Assets 1.00%
Net Income 794.00K
Net Interest Spread 2.99%
Operating Profit to Average Assets 0.94%
Overhead Efficiency Ratio 68.28%
Return on Assets 0.94%
Return on Equity 15.54%