Total Assets
$168M
Total balance-sheet footings
FDIC Cert #2753 · Lebanon, Kentucky · Est. 1889
Citizens Bank and Trust of Lebanon, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Bank and Trust of Lebanon, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $168M
- Total assets
- B
- Health grade · Good
- 0.95%
- Return on assets
- 29.1%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank and Trust of Lebanon, Inc. earns a PlainBankData health grade of B (78/100), with well-capitalized at 29.07% Tier 1, 0.95% ROA, 71% efficiency ratio.
- #3,230
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 29.07%
- Tier 1 ratio - above the 10% well-capitalized line
- 39th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens Bank and Trust of Lebanon, Inc.'s 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank and Trust of Lebanon, Inc.'s composite health score
Tier 1 Capital Ratio (29.07%) 40/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (1.12%) 20/20
Efficiency Ratio (70.72%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$152M
Customer-funded liabilities
Net Loans
$51M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank and Trust of Lebanon, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank and Trust of Lebanon, Inc.'s score of 78/100 falls in the highlighted band.
Citizens Bank and Trust of Lebanon, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank and Trust of Lebanon, Inc.'s $168M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
29.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
29.07%
Texas Ratio
1.12%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
17.78%
Efficiency Ratio
70.72%
What the numbers say about Citizens Bank and Trust of Lebanon, Inc.
Citizens Bank and Trust of Lebanon, Inc. is an FDIC-insured institution (Certificate #2753) headquartered in Lebanon, Kentucky, established in 1889. It holds $168M in total assets - 3,230th of 4,313 FDIC-insured banks, $152M in customer deposits, and $51M in net loans. On safety, its Tier 1 capital ratio of 29.07% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.12% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, Citizens Bank and Trust of Lebanon, Inc. ranks 89th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$7M
Interest Income
$744K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank and Trust of Lebanon, Inc. reports a Texas Ratio of 1.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank and Trust of Lebanon, Inc. (FDIC Cert #2753) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Citizens Bank and Trust of Lebanon, Inc.'s health grade?▼
Citizens Bank and Trust of Lebanon, Inc. receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Bank and Trust of Lebanon, Inc.?▼
Citizens Bank and Trust of Lebanon, Inc. holds $168M in total assets and $152M in deposits, ranking 3,230th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lebanon, Kentucky.
Is my money safe at Citizens Bank and Trust of Lebanon, Inc.?▼
Yes, deposits at Citizens Bank and Trust of Lebanon, Inc. (Certificate #2753) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank and Trust of Lebanon, Inc.'s Tier 1 Capital Ratio?▼
Citizens Bank and Trust of Lebanon, Inc. has a Tier 1 Capital Ratio of 29.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank and Trust of Lebanon, Inc.?▼
Citizens Bank and Trust of Lebanon, Inc. has a Texas Ratio of 1.12%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank and Trust of Lebanon, Inc.?▼
Citizens Bank and Trust of Lebanon, Inc. has an Efficiency Ratio of 70.72%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank and Trust of Lebanon, Inc.'s profile as a depositor or analyst.
- Citizens Bank and Trust of Lebanon, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank and Trust of Lebanon, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.