Citizens Bank and Trust of Lebanon, Inc.
Lebanon, KY
IDRSSD: 641449
Total Assets
$160.37M
Latest filing
Total Deposits
$144.81M
Latest filing
Net Interest Margin
3.02%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank and Trust of Lebanon, Inc.
149 W Main St
Lebanon, KY 40033
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1889FDIC Certificate 1791
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens Bank and Trust of Lebanon, Inc. (Main) | 149 W Main St | Lebanon, KY | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40033 |
| State and County Number | 21155 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | cbtoflebanon.com |
| Data Updated | 11/14/2025 |
| CERT | 2753 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $160.37M |
| Total Deposits | $144.81M |
| Total Liabilities | $150.51M |
| Total Equity Capital | $9.87M |
| Net Income | $342.00k |
| Net Loans and Leases | $47.63M |
| Assets Per Employee ($Millions) | $6.41M |
| Bank Premises and Fixed Assets | $855.00k |
| Cash and Balances due from Depository Institutions | $10.52M |
| Deposits Held in Domestic Offices | $144.81M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 15.95% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 73.39% |
| Tier 1 Risk-Based Capital Ratio | 29.422% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.151% |
| Earning Assets to total Assets | 93.43% |
Income and Expense
| Total Interest Income | $1.76M |
| Total Noninterest Income | $183.00k |
| Total Interest Expense | $661.00k |
| Total Noninterest Expense | $943.00k |
| Net Interest Income | $1.10M |
| Pre-tax Net Operating Income | $342.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.34M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.19M |
| Federal Funds Purchased and Repurchased Agreement | $1.44M |
| All Other Liabilities | $917.00k |
| Total Liabilities and Capital | $160.37M |
Securities
| Securities | $94.05M |
| Available-for-sale debt securities | $94.05M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank and Trust of Lebanon, Inc.?
$160.37M as of the latest filing.
How much are Citizens Bank and Trust of Lebanon, Inc.'s total deposits?
$144.81M in total deposits.
Where is Citizens Bank and Trust of Lebanon, Inc. located?
Lebanon, KY.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$47.63M (latest filing).
What is the total interest income (latest filing)?
$1.76M.