BlastPoint's Banking Scorecard
Citizens Bank and Trust of Lebanon, Inc.
Micro
Specialty: Other
KY
FDIC cert 2753
Designations: ✓ Community bank
Lebanon, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Citizens Bank and Trust of Lebanon, Inc. shows strong momentum with 2 strengths and 9.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 40.96% below tier
- + Tier 1 Capital Ratio 20.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.0M
+9.9% YoY
+4.7% QoQ
|
-$49.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$50.9M
+10.7% YoY
+6.9% QoQ
|
-$88.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$151.7M
+6.2% YoY
+4.8% QoQ
|
-$31.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.95%
+46.5% YoY
+9.8% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
2.94%
+10.2% YoY
-0.7% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
70.72%
-9.6% YoY
-3.4% QoQ
|
+2.99% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.24%
+25.4% QoQ
|
-0.40% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
33.57%
+4.3% YoY
+2.1% QoQ
|
-40.96% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.13%
-6.9% YoY
-4.1% QoQ
|
-2.27% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.07%
+28.0% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
29.07%
-0.8% YoY
-1.2% QoQ
|
+20.22% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.44%
-5.7% YoY
+34.8% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.57%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.07%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.57% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.07% · Tier avg: 8.85%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
46
46th pctile
Total Deposits
Current: $151.7M · Tier avg: $183.7M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.13% · Tier avg: 22.39%
43
43th pctile
Total Assets
Current: $168.0M · Tier avg: $217.5M
43
43th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.72% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $50.9M · Tier avg: $139.2M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
Top Weaknesses
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
20
20th pctile
Total Loans
Current: $50.9M · Tier avg: $139.2M
38
38th pctile
Efficiency Ratio
Current: 70.72% · Tier avg: 67.73%
43
43th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
43
43th pctile
Total Assets
Current: $168.0M · Tier avg: $217.5M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.13% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $151.7M · Tier avg: $183.7M
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.07% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.57% · Tier avg: 74.53%