LEE BANK & TRUST COMPANY

PENNINGTON GAP, VA | Small | Est. Aug. 22, 1932, midnight | FDIC #11582 | RSSD #661223 | FDIC
Latest Report: 2025-12-31

LEE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PENNINGTON GAP, VA, established in Aug. 22, 1932, midnight. As of 2025-12-31, the bank reported total assets of $262M and total deposits of $226M. Profitability stands at 1.28% ROA and 10.46% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 21.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.78%. FDIC Certificate #11582.

Assets

$262M

Deposits

$226M

Loans

$134M

Equity

$32M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.46%
Net Interest Margin (NIM) 3.65%
Yield on Assets 6.12%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.15%
Texas Ratio 1.78%
NPA Ratio 0.24%
ACL / Loans 2.12%

Capital & Liquidity

CET1 Ratio 21.18%
Tier 1 Capital 21.18%
Total Capital Ratio 22.44%
Leverage Ratio 12.43%
Loan-to-Deposit 59.29%

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