What is Citizens Bank and Trust of Lebanon, Inc.'s financial health grade?

Citizens Bank and Trust of Lebanon, Inc. has a TFS Financial Health Grade of C- (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank and Trust of Lebanon, Inc. have?

Citizens Bank and Trust of Lebanon, Inc. has 1 branch location across the United States.

Is Citizens Bank and Trust of Lebanon, Inc. FDIC insured?

Yes, Citizens Bank and Trust of Lebanon, Inc. is FDIC insured (Certificate #2753).

What are the total assets of Citizens Bank and Trust of Lebanon, Inc.?

Citizens Bank and Trust of Lebanon, Inc. has total assets of $168.0M as reported in its most recent FDIC filing.

Citizens Bank and Trust of Lebanon, Inc.

BankLebanon, Kentucky

cbtoflebanon.com

Total Assets

$168.0M

Total Deposits

$151.7M

Branches

Established

1889

TFS Health Grade

C-

70.0 / 100

Average financial health

How we grade

Citizens Bank and Trust of Lebanon, Inc. is a bank headquartered in Lebanon, Kentucky, established in 1889. With $168.0M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C- (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.75%(8%)

Total Capital Ratio

29.62%(10%)

Non-Performing Loan Ratio

0.24%

Profitability

Return on Assets (ROA)

0.95%(1%)

Return on Equity (ROE)

17.78%(10%)

Net Interest Margin

2.94%

Efficiency Ratio

70.72%(60%)

Lending & Liquidity

Total Loans

$51.3M

Loan-to-Deposit Ratio

33.57%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+9.93%

Deposit Growth (YoY)

+6.19%

Net Income

$1.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Bank and Trust of Lebanon, Inc.HQ	149 W Main St	Lebanon	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.