Citizens Bank and Trust of Lebanon, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Consumer: 1.99 percentage points higher than in Q1 2026, at 16.36%. Citizens Bank and Trust of Lebanon, Inc. has the 2nd lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 34.35% as of Q2 2026. Citizens Bank and Trust of Lebanon, Inc.'s loan-to-deposit ratio of 34.35% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 46.60 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.9M |
| Net loans and leases | $53.6M |
| Loans held for sale | $0 |
| Loans to total assets | 31.16% |
| Loan-to-deposit ratio | 34.35% |
| Net loans to equity capital | 5.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.59% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 6.24% |
| Consumer | 16.36% |
| Credit cards | 0.00% |
| Farm | 11.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.37% |
| Construction concentration (Tier 1 capital + allowance) | 6.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.37% |
| Interest income on loans | $937K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $42.0M | $146.9M | 6.91% | 8.05% | 13.86% |
| Q4 2023 | $42.1M | $150.2M | 6.47% | 8.51% | 12.80% |
| Q1 2024 | $44.1M | $149.6M | 6.06% | 9.79% | 12.19% |
| Q2 2024 | $45.9M | $149.2M | 5.64% | 8.36% | 12.82% |
| Q3 2024 | $45.4M | $137.0M | 5.56% | 8.03% | 10.71% |
| Q4 2024 | $46.4M | $142.9M | 6.14% | 8.60% | 10.35% |
| Q1 2025 | $47.2M | $147.4M | 6.79% | 7.79% | 9.83% |
| Q2 2025 | $49.1M | $142.5M | 6.88% | 7.50% | 12.09% |
| Q3 2025 | $48.0M | $144.8M | 7.22% | 8.43% | 11.06% |
| Q4 2025 | $51.3M | $151.7M | 6.66% | 5.76% | 11.96% |
| Q1 2026 | $53.3M | $151.2M | 6.04% | 6.76% | 14.37% |
| Q2 2026 | $53.9M | $156.9M | 5.59% | 6.24% | 16.36% |
Citizens Bank and Trust of Lebanon, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust of Lebanon, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank and Trust of Lebanon, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2753) · FFIEC NIC profile (RSSD 641449)