BlastPoint's Banking Scorecard
Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY
Citizens Bank and Trust of Lebanon, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.00% below tier average
- - ROA 0.37% below tier average
- - Efficiency Ratio 4.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.8M
+5.7% YoY
-0.7% QoQ
|
-$219.3M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$52.9M
+13.1% YoY
+4.0% QoQ
|
-$202.8M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.5% in tier |
| Total Deposits ? |
$151.2M
+2.6% YoY
-0.3% QoQ
|
-$176.8M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.90%
+24.6% YoY
-5.2% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
2.93%
+4.5% YoY
-0.2% QoQ
|
-1.00% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio ? |
69.83%
-8.9% YoY
-1.2% QoQ
|
+4.55% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.25%
-25.3% YoY
+3.3% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
35.02%
+10.3% YoY
+4.3% QoQ
|
-41.62% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
Top 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.71%
-12.7% YoY
+2.9% QoQ
|
-1.31% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.08%
-20.0% YoY
+8.1% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.62%
-59.9% YoY
-60.0% QoQ
|
-4.21% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.10%
-10.3% YoY
-77.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.