B
Citizens Bank and Trust of Lebanon, Inc.
Lebanon,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
30.06
Leverage
Ratio
12.41
Return On
Assets
0.87%
Total
Assets
160.37M
Capital
9.87M
Total
Deposits
144.81M
Net
Income
1.01M
My Lists My Alerts
Weiss Ratings Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 9.50
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 4.10
Stability Index 3.30
Company Info Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 7.68%
5-Year Asset Growth 3.92%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.47%
Non-Performing Loans to Loans 0.17%
Balance Sheet Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 160.37M
Total Deposits 144.81M
Capital and Reserves Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 9.87M
Leverage Ratio 12.41
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 30.06
Liquidity Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 17.82%
Liquidity Ratio 29.13%
Profitability Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.96%
Net Income 1.01M
Net Interest Spread 2.97%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 73.23%
Return on Assets 0.87%
Return on Equity 17.35%