Bank · FDIC insured
Citizens Bank & Trust of Lebanon
A $173M bank headquartered in Lebanon, KY, with 1 branch in Kentucky. Best rates: CDs 3.53% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs632.31%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank & Trust of Lebanon
Citizens Bank and Trust of Lebanon was formed in Lebanon, Kentucky in 1889 when its shareholders purchased the National Bank of Lebanon.
In 1983, eight local businessmen formed Citizens National Bancorp and acquired the bank to preserve local ownership and operation.
The institution focuses on serving the financial needs of citizens and customers throughout Lebanon and Marion County.
- Headquarters
- 149 W Main St, Lebanon, KY 40033
- FDIC certificate
- 2753 ↗
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Citizens Bank and Trust of Lebanon, Inc.Main office149 W Main St, Lebanon, KY 40033Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.33% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.94% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $34 | $81 | — |
- CapitalLeverage ratio11.33%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.94%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$34Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank & Trust of Lebanon are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.