B
Citizens Bank and Trust of Lebanon, Inc.
Lebanon,  KY
Rating Date
March 2026
Risk Based
Capital Ratio
29.62
Leverage
Ratio
11.75
Return On
Assets
0.96%
Total
Assets
167.96M
Capital
10.55M
Total
Deposits
151.71M
Net
Income
1.50M
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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 9.50
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 4.20
Stability Index 3.00
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 9.93%
5-Year Asset Growth 3.77%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.62%
Non-Performing Loans to Loans 0.24%
Balance Sheet Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Total Assets 167.96M
Total Deposits 151.71M
Capital and Reserves Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Capital 10.55M
Leverage Ratio 11.75
Loan Loss Reserves to Loans 0.69%
Risk-Based Capital Ratio 29.62
Liquidity Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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Hot Money Ratio 16.76%
Liquidity Ratio 29.88%
Profitability Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
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5-Year Return on Average Assets 0.96%
Net Income 1.50M
Net Interest Spread 2.95%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 70.72%
Return on Assets 0.96%
Return on Equity 17.93%