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Lee Bank and Trust Company

$100M-$1B Specialty: Commercial VA FDIC cert 11582

Pennington Gap, VA

3 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits -6.0% year over year ($218.3M on the books).
  • Delinquency rate 1.40%.
  • Return on assets 3.40%.
  • Efficiency ratio 32.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Lee Bank and Trust Company has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 0.5% in tier
  • + Profitability Leader: Top 1.1% in tier
  • + Efficiency Ratio 31.66% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 24.1% in tier
  • - Credit Risk Growth: Bottom 26.0% in tier
  • - Liquidity Overhang: Bottom 39.0% in tier
  • - Net Interest Margin 0.54% below tier average
Get updates when Lee Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $257.3M
-2.9% YoY -1.0% QoQ
-$129.2M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $127.1M
+2.7% YoY -2.6% QoQ
-$131.2M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $218.3M
-6.0% YoY -1.4% QoQ
-$108.4M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 3.40%
+217.7% YoY +213.0% QoQ
+2.08% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Top 1.2% in tier
Net Interest Margin ? 3.45%
+16.3% YoY +3.3% QoQ
-0.54% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 32.82%
-45.8% YoY -45.4% QoQ
-31.66% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Top 1.2% in tier
Delinquency Rate ? 1.40%
+39.9% YoY +19.7% QoQ
+0.48% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 58.21%
+9.3% YoY -1.3% QoQ
-19.74% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Top 15.0% in tier
Non-Interest-Bearing Deposit Share ? 20.30%
+2.6% YoY -1.3% QoQ
-1.73% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.77%
+57.4% YoY +15.8% QoQ
+0.10% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 26.17%
+17.8% YoY +18.7% QoQ
+10.27% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
Top 5.9% in tier
Non-Interest Income / Assets ? 1.60% +1.03% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 2.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 20.3%
+0.5pp YoY
-0.3pp QoQ
 -1.9pp 22.1% 26.2% 22.2% 46%
Brokered Deposits 2.5%
-5.7pp YoY
-1.3pp QoQ
 -5.3pp 7.9% 8.5% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 35.8%
-6.2pp YoY
-0.6pp QoQ
 +24.2pp 11.6% 11.0% 12.5% 98%
CRE 24.6%
+1.3pp YoY
0.0pp QoQ
 -15.0pp 39.5% 46.9% 41.4% 26%
1-4 Family 22.0%
-0.5pp YoY
-0.1pp QoQ
 -10.7pp 32.6% 32.6% 31.3% 34%
Consumer 16.6%
+5.2pp YoY
+0.5pp QoQ
 +12.5pp 4.1% 8.0% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 26.2%
+3.9pp YoY
+4.1pp QoQ
 +7.3pp 18.8% 17.2% 19.7% 90%
Leverage Ratio 14.1%
+2.0pp YoY
+1.3pp QoQ
 +1.9pp 12.2% 12.2% 12.6% 82%
Total Capital Ratio 27.4%
+3.9pp YoY
+4.1pp QoQ
 +7.5pp 19.9% 18.3% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 42
-1 (-2.3%) YoY
+1 (+2.4%) QoQ
 -17 58 1,956 482 44%
Assets per Employee ($) $6.1M
-0.6% YoY
-3.4% QoQ
 -$1.4M $7.5M $9.9M $8.8M 36%
Branch Count 3
0 YoY
0 QoQ
 -2 4 28 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 1.1%
+0.6pp YoY
+0.3pp QoQ
 +0.8pp 0.3% 0.2% 0.4% 92%
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 37%
Allowance Coverage 1.66x
-26.8% YoY
-12.6% QoQ
 -22.50x 24.15x 9.47x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 26.4%
+17.2pp YoY
+17.6pp QoQ
 +14.2pp 12.2% 12.0% 11.6% 97%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $4.4M
+219.1% YoY
— QoQ
 +$1.9M $2.6M $137.1M $40.4M 83%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#4 of 661 • Top 0.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.60%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 3.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#8 of 661 • Top 1.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (3)

Deposit Outflow

decline
#130 of 535 • Bottom 24.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Credit Risk Growth

risk
#244 of 936 • Bottom 26.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#290 of 742 • Bottom 39.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.17%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 58.21%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

32
Return on Assets
profitability
Value: 3.40%
Peer Median: 1.32%
#32 of 2643 Top 1.2% in $100M-$1B
32
Efficiency Ratio
profitability
Value: 32.82%
Peer Median: 64.48%
#32 of 2643 Top 1.2% in $100M-$1B
59
Non-Interest Income / Assets
revenue_mix
Value: 1.60%
Peer Median: 0.57%
#59 of 2643 Top 2.2% in $100M-$1B
156
Tier 1 Capital Ratio
capital
Value: 26.17%
Peer Median: 15.91%
#156 of 2643 Top 5.9% in $100M-$1B
397
Loan-to-Deposit Ratio
liquidity
Value: 58.21%
Peer Median: 77.95%
#397 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (1 metrics)

2111
Delinquency Rate
credit_quality
Value: 1.40%
Peer Median: 0.92%
#2111 of 2633 Bottom 19.9% in $100M-$1B
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