BlastPoint's Banking Scorecard
Lee Bank and Trust Company
Pennington Gap, VA
3 branches across VA
Lee Bank and Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.21% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.59% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.9M
+1.9% YoY
-0.7% QoQ
|
-$126.2M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$130.5M
+6.9% YoY
-0.5% QoQ
|
-$125.2M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$221.4M
-0.2% YoY
-2.1% QoQ
|
-$106.6M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.09%
+25.5% YoY
-3.9% QoQ
|
-0.18% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.34%
+11.3% YoY
+4.6% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
60.08%
-2.2% YoY
+3.6% QoQ
|
-5.21% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
1.17%
-7.0% YoY
-28.9% QoQ
|
+0.28% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
58.96%
+7.2% YoY
+1.6% QoQ
|
-17.68% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
20.57%
+9.0% YoY
-0.1% QoQ
|
-1.45% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.66%
+9.6% YoY
-26.4% QoQ
|
+0.02% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
22.05%
-1.3% YoY
+4.1% QoQ
|
+6.21% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Top 10.0% in tier |
| Non-Interest Income / Assets ? |
0.09%
+97.2% YoY
-65.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
45% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.