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Citizens Bank And Trust Of Lebanon, Inc.
Lebanon, KY · FDIC Certificate #2753 · Chartered 01/0
Total assets
$172.98M
Total deposits
$156.93M
Total equity
$10.34M
Net loans
$53.55M
Branches (offices)
1
Net income (YTD)
$794.00K
Rank: #3,162 of 4,213 U.S. banks by assets · #88 of 120 in Kentucky. Assets changed 13.4% and deposits 10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.94% |
| Return on equity | 15.43% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 5.98% |
| Tier 1 leverage ratio | 11.33% |
| Uninsured deposits (share of deposits) | 36.0% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 34.1% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.63M | 72.1% | |
| Commercial & industrial | $3.36M | 6.3% | |
| Consumer / individual | $8.82M | 16.5% | |
| Construction & development | $1.27M | 2.4% | |
| Agricultural | $2.04M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.63M | $147.67M | $616.00K | $3.71M |
| Jun 2023 | $164.24M | $156.51M | $1.31M | $4.68M |
| Jun 2024 | $158.71M | $149.17M | $468.00K | $6.46M |
| Jun 2025 | $152.50M | $142.45M | $668.00K | $7.28M |
| Jun 2026 | $172.98M | $156.93M | $794.00K | $10.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $156.93M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.93M.
Similar-sized banks
The First National Bank Of Hartford ($172.99M) · Sharon Bank ($172.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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