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Citizens Bank and Trust of Lebanon, Inc.

$100M-$1B Specialty: Other KY FDIC cert 2753

Lebanon, KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +10.2% year over year ($156.9M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.94%.
  • Efficiency ratio 68.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 34.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Citizens Bank and Trust of Lebanon, Inc. has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.7% in tier
  • - NIB Deposit Bleed: Bottom 33.3% in tier
  • - Credit Risk Growth: Bottom 43.6% in tier
  • - Net Interest Margin 1.00% below tier average
  • - ROA 0.38% below tier average
  • - Efficiency Ratio 3.80% above tier average
Get updates when Citizens Bank and Trust of Lebanon, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $173.0M
+13.4% YoY +3.7% QoQ
-$213.6M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $53.6M
+9.9% YoY +1.2% QoQ
-$204.8M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 3.4% in tier
Total Deposits ? $156.9M
+10.2% YoY +3.8% QoQ
-$169.8M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.94%
+8.4% YoY +4.4% QoQ
-0.38% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 2.99%
+1.0% YoY +1.9% QoQ
-1.00% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 9.6% in tier
Efficiency Ratio ? 68.28%
-6.7% YoY -2.2% QoQ
+3.80% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.18%
+142.7% YoY -27.6% QoQ
-0.74% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 34.13%
-0.2% YoY -2.5% QoQ
-43.83% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 2.4% in tier
Non-Interest-Bearing Deposit Share ? 18.46%
-17.6% YoY -10.9% QoQ
-3.58% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.06%
+135.1% YoY -29.3% QoQ
-0.61% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 11.33%
-60.4% YoY -2.4% QoQ
-4.57% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.19%
-14.1% YoY +97.0% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 18.5%
-4.0pp YoY
-2.3pp QoQ
 -3.7pp 22.1% 23.5% 22.2% 38%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 6.3%
-1.3pp YoY
-0.5pp QoQ
 -5.3pp 11.6% 8.6% 12.5% 28%
CRE 8.4%
-4.2pp YoY
-0.7pp QoQ
 -31.1pp 39.5% 37.1% 41.4% 3%
1-4 Family 52.3%
+2.7pp YoY
+0.3pp QoQ
 +19.7pp 32.6% 41.6% 31.3% 84%
Consumer 16.5%
+4.3pp YoY
+2.0pp QoQ
 +12.4pp 4.1% 4.8% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 11.3%
-0.8pp YoY
-0.3pp QoQ
 -0.8pp 12.2% 14.0% 12.6% 56%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
0 QoQ
 -34 58 105 482 19%
Assets per Employee ($) $6.9M
+8.9% YoY
+3.7% QoQ
 -$599K $7.5M $6.3M $8.8M 51%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.3pp 0.3% 0.3% 0.4% 6%
Nonaccrual 0.2%
-0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 28%
Allowance Coverage 3.60x
-66.5% YoY
+29.7% QoQ
 -20.55x 24.15x 7.45x 20.23x 62%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.4%
-3.0pp YoY
+0.8pp QoQ
 +3.2pp 12.2% 13.3% 11.6% 70%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 57%
Net Income ($, YTD) $794,000
+18.9% YoY
— QoQ
 -$1.8M $2.6M $5.1M $40.4M 20%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#248 of 1256 • Bottom 19.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#55 of 162 • Bottom 33.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.46%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#409 of 936 • Bottom 43.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

65
Loan-to-Deposit Ratio
liquidity
Value: 34.13%
Peer Median: 77.95%
#65 of 2643 Top 2.4% in $100M-$1B
587
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#587 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (4 metrics)

2553
Total Loans
size
Value: $53.55M
Peer Median: $258.35M
#2553 of 2643 Bottom 3.4% in $100M-$1B
2390
Net Interest Margin
profitability
Value: 2.99%
Peer Median: 3.99%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2127
Total Assets
size
Value: $172.98M
Peer Median: $386.57M
#2127 of 2643 Bottom 19.6% in $100M-$1B
2034
Total Deposits
size
Value: $156.93M
Peer Median: $326.73M
#2034 of 2643 Bottom 23.1% in $100M-$1B
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