CITIZENS BANK AND TRUST OF LEBANON, INC.

LEBANON, KY | Small | Est. Jan. 1, 1889, midnight | FDIC #2753 | RSSD #641449 | FED
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST OF LEBANON, INC. is asn small FDIC-insured commercial bank headquartered in LEBANON, KY, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $152M. Profitability stands at 1.20% ROA and 19.24% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 29.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.12%. FDIC Certificate #2753.

Assets

$168M

Deposits

$152M

Loans

$51M

Equity

$11M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 19.24%
Net Interest Margin (NIM) 2.99%
Yield on Assets 4.90%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.12%
NPA Ratio 0.07%
ACL / Loans 0.69%

Capital & Liquidity

CET1 Ratio 29.07%
Tier 1 Capital 29.07%
Total Capital Ratio 29.62%
Leverage Ratio 11.75%
Loan-to-Deposit 33.80%

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