Citizens Bank and Trust of Lebanon, Inc.

Headquarters

149 W Main St
Lebanon, KY 40033
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
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Financial Details
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2025 Overview

General Bank Information

Citizens Bank and Trust of Lebanon, Inc. is an FDIC insured institution located in Lebanon, KY. It was founded in 1889 and has approximately $0.15 billion in assets.


FDIC Insured	Yes
FDIC Certificate	# 2753
Date Established	1889
Assets	$ 152.79 million
Loans	$ 45.99 million
Deposits	$ 142.86 million
Capital	$ 6.88 million

For a more detailed analysis of Citizens Bank and Trust of Lebanon, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 10, 2025

Your Current Location: Ohio, OH 43085

Loan Rates - April 10, 2025

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Citizens Bank and Trust of Lebanon, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.860%	6.750% 0.88 points $3,615 fees	$2,076	Learn More
NMLS ID: 401822	6.884%	6.750% 0.75 points $4,395 fees	$2,076	Learn More
NMLS ID: 6606	6.964%	6.875% 0.88 points $2,906 fees	$2,103	Learn More
NMLS ID: 3030	7.702%	7.625% 0.75 points $2,400 fees	$2,265	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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Branches

Citizens Bank and Trust of Lebanon, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Citizens Bank and Trust of Lebanon, Inc. Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
The Citizens National Bank Of Lebano	203.94	A	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Citizens Bank and Trust of Lebanon, Inc. is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Citizens Bank and Trust of Lebanon, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank and Trust of Lebanon, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Citizens Bank and Trust of Lebanon, Inc.	U.S. Bank Average
0.08%	4.63%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Citizens Bank and Trust of Lebanon, Inc. had $6,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,880,000 in equity and $388,000 in loans loss reserves. That gives it a Texas Ratio of 0.08%.

Return on Equity

Citizens Bank and Trust of Lebanon, Inc.	U.S. Bank Average
14.37%	10.10%

Citizens Bank and Trust of Lebanon, Inc. has a Return on Equity of 14.37% versus the BestCashCow average of 10.10%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Citizens Bank and Trust of Lebanon, Inc.	U.S. Bank Average
4.5%	11.02%

Citizens Bank and Trust of Lebanon, Inc. has a Capitalization of 4.5% versus the BestCashCow average of 11.02. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Bank and Trust of Lebanon, Inc. Balance Sheet Analysis

As of December 31, 2024, Citizens Bank and Trust of Lebanon, Inc. had assets of $152,792,000, loans of $45,994,000, and deposits of $142,864,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 9.72 million
Interest-bearing balances	$ 7.43 million
Total securities	$ 89.31 million
Federal funds sold and reverse repurchase	$ 0.87 million
Net loans and leases	$ 45.99 million
Loan loss allowance	$ 0.39 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 5.82 million
Total Assets	$ 145.91 million

LIABILITIES
Total deposits	$ 142.86 million
Interest-bearing deposits	$ 111.97 million
Deposits held in domestic offices	$ 142.86 million
% insured (estimated)	72.22%
Federal funds purchased and repurchase agreements	$ 1.68 million
Trading liabilities	N.A.
Other borrowed funds	$ 0.80 million
Subordinated debt	N.A.
All other liabilities	$ 0.19 million
Total Liabilities	$ 145.91 million
Shareholders’ Equity	$ 6.88 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 7.11 million
Total Interest Expense	$ 3.18 million
Net interest income	$ 3.92 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 0.72 million
Total non interest expense	$ 3.63 million
Pre-tax Net Operating Income	$ 0.62 million

Bank Loan Profile^?

The top three loan types in Citizens Bank and Trust of Lebanon, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Citizens Bank and Trust of Lebanon, Inc.’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	39.25		✓
Multifamily Mortgages	1.28		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	3.24		✓
Small Business Loans	6.20		✓
Construction and Development Loans	1.08	✓
Commercial Real Estate	7.05	✓
Commercial and Industrial Loans	8.87		✓
Farm Loans	2.90		✓

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