Citizens Bank and Trust of Lebanon, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank and Trust of Lebanon, Inc. of Lebanon, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.34% | -0.37% | 32nd below |
| ROAE | 16.45% | 13.32% | +3.13% | 73rd above |
| Net Interest Margin | 3.05% | 3.93% | -0.88% | 11th bottom |
| Efficiency Ratio | 64.03% | 61.13% | +2.90% | 42nd below |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 4.80% | 5.67% | -0.87% | 16th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 48th below |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 66th above |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 76th top |
| NCO / Avg Loans | 0.50% | 0.16% | +0.34% | 6th bottom |
| ACL / Total Loans | 0.64% | 1.28% | -0.64% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 364.21% | 1546.34% | -1182.13% | 64th above |
| Texas Ratio | 0.90% | 7.34% | -6.44% | 74th above |
| Provision / NCO | 89.55% | 1395.20% | -1305.65% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.33% | 12.14% | -0.81% | 56th above |
| Equity / Assets | 5.98% | 11.37% | -5.39% | 3rd bottom |
| TCE / Tangible Assets | 5.98% | 11.08% | -5.10% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 34.35% | 80.67% | -46.32% | 97th top |
| Core Deposit Ratio | 95.55% | 86.85% | +8.70% | 87th top |
| Wholesale Funding Ratio | 2.83% | 5.04% | -2.21% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.43% | 6.84% | +6.59% | 90th top |
| Loan Growth (Y/Y) | 9.74% | 7.92% | +1.82% | 73rd above |
| Deposit Growth (Y/Y) | 10.16% | 6.29% | +3.87% | 83rd top |
See Citizens Bank and Trust of Lebanon, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank and Trust of Lebanon, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank and Trust of Lebanon, Inc. profile, how to read a UBPR, or how this data updates.