Citizens Bank and Trust of Lebanon, Inc.
Also written as CB&T of Lebanon
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust of Lebanon, Inc. is an FDIC-insured commercial bank headquartered in Lebanon, KY, established in 1889 (FDIC certificate 2753), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $173.0M, up 13.4% from Q2 2025, the 88th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2753
- Headquarters
- Lebanon, KY
- Established
- 1889
- Total assets, Q2 2026
- $173.0M
- Assets vs Q2 2025
- +13.4%
- Tier 1 leverage ratio, Q2 2026
- 11.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 083901702
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank and Trust of Lebanon, Inc. Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- CNB OF LEBANON BANCORP, INC.
- Asset rank in state
- 88th of 120 in Kentucky
Citizens Bank and Trust of Lebanon, Inc., based in Lebanon, Kentucky, reported $173 million in assets at June 30, 2026, up 13.4% from a year earlier. It keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds commercial real estate loans equal to only 8% of its capital, a small fraction of the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.7 million equal 45% of Tier 1 capital, down from 59% a year earlier.
As of June 30, 2026, Citizens Bank and Trust of Lebanon, Inc. reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
Citizens Bank and Trust of Lebanon, Inc. ranks as the 88th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.7% to $173.0M, loans rose 1.1% and deposits rose 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 52.0% of total loans, ahead of farmland and other real estate loans at 11.3%. The FDIC Summary of Deposits lists a single office for it, in Lebanon, KY. By the capital ratios in its Q2 2026 call report, Citizens Bank and Trust of Lebanon, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 149 W Main St, Lebanon, KY 40033
- County
- Marion
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $156.9M
- Allowance for credit losses
- $346K
- Net charge-offs (YTD)
- $67K
- Average total assets
- $171.8M
- Average total loans
- $50.9M
- Average interest-bearing deposits
- $125.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2753
- Fed RSSD
- 641449
- Website
- cbtoflebanon.com →
- Parent Holding Company
- CNB OF LEBANON BANCORP, INC. (RSSD 1098639)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank and Trust of Lebanon, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens Bank and Trust of Lebanon, Inc.'s total assets moved between a low of $148.9M (Q3 2024) and a high of $173.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$173.0M total assets against $152.5M; $162.6M total liabilities against $145.2M.
$53.6M net loans and leases against $48.7M; $156.9M total deposits against $142.5M.
$91.3M securities against $91.2M; $21.0M cash and balances due against $5.6M.
$2.0M total interest income against $1.8M; $739K total interest expense against $659K.
$1.2M net interest income against $1.1M.
$171K total noninterest income against $171K; $932K total noninterest expense against $901K.
$45K provision for credit losses against $0.
$418K net income against $388K.
0.97% return on assets against 1.00%; 3.05% net interest margin against 3.05%.
11.33% tier 1 leverage ratio against 12.15%.
Inside the full Citizens Bank and Trust of Lebanon, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank and Trust of Lebanon, Inc. rankings
Its closest position to the top of a national ranking is 2,254 of 3,606, for efficiency ratio; its furthest is 2,733 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 1.20% (Q4 2025) and its net interest margin ran from 2.68% (Q3 2024) to 3.05% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.33% | 0.97% | 0.18% | 0.90% | 3.05% |
| Q1 2026 | 11.62% | 0.90% | 0.25% | 1.27% | 2.93% |
| Q4 2025 | 11.75% | 1.20% | 0.24% | 1.12% | 2.91% |
| Q3 2025 | 12.41% | 0.89% | 0.19% | 0.89% | 3.03% |
| Q2 2025 | 12.15% | 1.00% | 0.07% | 0.47% | 3.05% |
| Q1 2025 | 11.87% | 0.72% | 0.33% | 1.93% | 2.82% |
| Q4 2024 | 11.86% | 0.87% | 0.01% | 0.08% | 2.75% |
| Q3 2024 | 11.76% | 0.52% | 0.17% | 0.85% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank and Trust of Lebanon, Inc. (main office) | Lebanon , KY | 40033 | $156.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action October 5, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KY, rank 106 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $335K approved, $168K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank and Trust of Lebanon, Inc.
What are Citizens Bank and Trust of Lebanon, Inc.'s total assets?
As of the Q2 2026 filing, Citizens Bank and Trust of Lebanon, Inc. reported total assets of $173.0 million in its FFIEC call report.
Where is Citizens Bank and Trust of Lebanon, Inc. headquartered?
It is headquartered in Lebanon, KY, United States.
When was Citizens Bank and Trust of Lebanon, Inc. founded?
It was established in 1889, per the FDIC institution directory.
Is Citizens Bank and Trust of Lebanon, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank and Trust of Lebanon, Inc.?
Citizens Bank and Trust of Lebanon, Inc.'s primary federal regulator is the Federal Reserve.
How many branches does Citizens Bank and Trust of Lebanon, Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank and Trust of Lebanon, Inc.'s Texas Ratio?
Its Texas Ratio is 0.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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