Headquartered in Lebanon, Kentucky, Citizens Bank and Trust of Lebanon, Inc. is a state-chartered bank (fed member) with $173.0M in total assets and $156.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1889.
Citizens Bank and Trust of Lebanon, Inc. has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 48th. Problem-loan coverage contributes the most (98/100, 0.9%); earnings contributes the least (58/100, 0.94%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (80 → 75), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 78 |
| Q1 2025 | 75 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 11.76% |
| Q4 2024 | 11.86% |
| Q1 2025 | 11.87% |
| Q2 2025 | 12.15% |
| Q3 2025 | 12.41% |
| Q4 2025 | 11.75% |
| Q1 2026 | 11.62% |
| Q2 2026 | 11.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $173.0M | 11.33% | 0.18% | 0.94% | 34.1% |
| Q1 2026 | 76 | $166.8M | 11.62% | 0.25% | 0.90% | 35.0% |
| Q4 2025 | 77 | $168.0M | 11.75% | 0.24% | 0.95% | 33.6% |
| Q3 2025 | 79 | $160.4M | 12.41% | 0.19% | 0.86% | 32.9% |
| Q2 2025 | 80 | $152.5M | 12.15% | 0.07% | 0.87% | 34.2% |
| Q1 2025 | 75 | $157.8M | 11.87% | 0.33% | 0.72% | 31.8% |
| Q4 2024 | 78 | $152.8M | 11.86% | 0.01% | 0.65% | 32.2% |
| Q3 2024 | 76 | $148.9M | 11.76% | 0.17% | 0.57% | 32.9% |
| Q2 2024 | 74 | $158.7M | 11.39% | 0.15% | 0.59% | 30.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
| Jackson County BankBank Mc Kee, KY | 92 out of 100, Very strong | $175.9M | 28.8% | 0.68% | vs |
| Bank of ClarksonBank Clarkson, KY | 67 out of 100, Moderate | $178.2M | 12.4% | 1.87% | vs |
| Auburn Banking CompanyBank Auburn, KY | 65 out of 100, Moderate | $164.3M | 8.3% | 0.65% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank and Trust of Lebanon, Inc.?
Yes. Citizens Bank and Trust of Lebanon, Inc. is an FDIC-insured institution (FDIC certificate #2753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.0% of deposits ($56.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Citizens Bank and Trust of Lebanon, Inc. lists 1 office in 1 city. Most locations:
- Lebanon, KY (1)
Identity & history
Profile
- Legal name
- Citizens Bank and Trust of Lebanon, Inc.
- Former names
- The Citizens National Bank of Lebanon
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2753
- RSSD ID
- 641449
- Primary regulator
- FED
- Holding company
- Cnb of Lebanon Bcorp Inc
- Established
- January 1, 1889
- Headquarters
- 149 W Main St, Lebanon, KY 40033
- Website
- cbtoflebanon.com
- Employees
- 25
Quick answers
Citizens Bank and Trust of Lebanon, Inc.: common questions
Is Citizens Bank and Trust of Lebanon, Inc. FDIC insured?
Yes. Citizens Bank and Trust of Lebanon, Inc. is an FDIC-insured institution (FDIC certificate #2753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank and Trust of Lebanon, Inc.'s TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank and Trust of Lebanon, Inc. ever failed?
There is no failure record for FDIC certificate #2753 in the FDIC failed bank list.
How many branches does Citizens Bank and Trust of Lebanon, Inc. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |