Citizens Bank and Trust of Lebanon, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 86.35 percentage points higher than in Q1 2026, at 364.21%. Within Kentucky, Citizens Bank and Trust of Lebanon, Inc. is 89th of 119 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank and Trust of Lebanon, Inc. sits 0.28 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.33% |
| Equity capital to assets | 5.98% |
| Tangible equity to tangible assets | 5.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 0.90% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 364.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 16.45% |
| Net interest margin | 3.05% |
| Efficiency ratio | 64.03% |
| Yield on earning assets | 4.80% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 34.35% |
| Core deposits to total deposits | 95.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.72% |
| Securities to assets | 52.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.81% | 29.81% | 30.49% | 11.19% | 0.79% |
| Q4 2023 | 30.53% | 30.53% | 31.22% | 11.48% | 1.03% |
| Q1 2024 | 29.62% | 29.62% | 30.29% | 11.36% | 0.57% |
| Q2 2024 | 28.65% | 28.65% | 29.29% | 11.39% | 0.60% |
| Q3 2024 | 29.49% | 29.49% | 30.14% | 11.76% | 0.52% |
| Q4 2024 | 29.32% | 29.32% | 29.95% | 11.86% | 0.87% |
| Q1 2025 | 29.00% | 29.00% | 29.62% | 11.87% | 0.72% |
| Q2 2025 | 28.63% | 28.63% | 29.24% | 12.15% | 1.00% |
| Q3 2025 | 29.42% | 29.42% | 30.06% | 12.41% | 0.89% |
| Q4 2025 | 29.07% | 29.07% | 29.62% | 11.75% | 1.20% |
| Q1 2026 | — | — | — | 11.62% | 0.90% |
| Q2 2026 | — | — | — | 11.33% | 0.97% |
Citizens Bank and Trust of Lebanon, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust of Lebanon, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)