Lee Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Lee Bank & Trust Company is an FDIC-insured commercial bank headquartered in Pennington Gap, VA, established in 1932 (FDIC certificate 11582), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $257.3M, down 2.9% from Q2 2025, the 45th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 26.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11582
- Headquarters
- Pennington Gap, VA
- Established
- 1932
- Total assets, Q2 2026
- $257.3M
- Assets vs Q2 2025
- -2.9%
- CET1 ratio, Q2 2026
- 26.17%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 051404163
- Latest call report
- Q2 2026, FFIEC 041 · Lee Bank & Trust Company call report
- Holding company
- LEE BANKSHARES, INC.
- Asset rank in state
- 45th of 56 in Virginia
Problem loans are rising at Lee Bank & Trust Company. It reported $257 million in assets at June 30, 2026, down 2.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.37% of loans from 0.98% a year earlier. It returns 43.4% a year on shareholders' equity, 3.5 times the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 22 cents to bring in each dollar of revenue, about a third the median of 61 cents for banks its size.
The commercial and industrial book ($45 million) is worsening: 5.75% of it is past due or on nonaccrual, up from 2.36% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 2.8% and deposits fell 6.0%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Lee Bank & Trust Company reported a CET1 capital ratio of 26.17%, a return on assets of 5.68%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 5.10%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Lee Bank & Trust Company is the 45th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $257.3M, loans fell 2.5% and deposits fell 1.4%. Commercial and industrial loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.5%. The FDIC Summary of Deposits lists 3 offices for it, in Pennington Gap, VA, Jonesville, VA and Bristol, VA; its Pennington Gap office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, Lee Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 41371 W Morgan Ave, Pennington Gap, VA 24277
- County
- Lee
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 22, 1932
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $218.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $261.3M
- Average total loans
- $131.5M
- Average interest-bearing deposits
- $176.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11582
- Fed RSSD
- 661223
- Website
- www.leebank24.com →
- Parent Holding Company
- LEE BANKSHARES, INC. (RSSD 5686799)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Lee Bank & Trust Company's total assets moved between a low of $245.4M (Q4 2023) and a high of $265.0M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$257.3M total assets against $265.0M; $221.7M total liabilities against $234.8M.
$127.1M net loans and leases against $123.7M; $218.3M total deposits against $232.3M.
$110.1M securities against $107.7M; $16.0M cash and balances due against $28.2M.
$3.6M total interest income against $3.5M; $1.4M total interest expense against $1.7M.
$2.2M net interest income against $1.8M.
$3.9M total noninterest income against $252K; $1.4M total noninterest expense against $1.3M.
$60K provision for credit losses against $40K.
$3.7M net income against $832K.
5.68% return on assets against 1.27%; 3.48% net interest margin against 2.87%.
26.17% CET1 capital ratio against 22.23%; 14.11% tier 1 leverage ratio against 12.09%.
Inside the full Lee Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLee Bank & Trust Company rankings
Its closest position to the top of a national ranking is 5 of 3,611, for ROA; its furthest is 2,663 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q1 2025) to 5.68% (Q2 2026) and its net interest margin ran from 2.87% (Q2 2025) to 3.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.17% | 5.68% | 1.37% | 5.10% | 3.48% |
| Q1 2026 | 22.05% | 1.10% | 1.14% | 4.83% | 3.30% |
| Q4 2025 | 21.18% | 1.28% | 1.61% | 6.72% | 3.41% |
| Q3 2025 | 21.22% | 1.08% | 0.92% | 3.66% | 3.22% |
| Q2 2025 | 22.23% | 1.27% | 0.98% | 3.90% | 2.87% |
| Q1 2025 | 22.33% | 0.86% | 1.23% | 4.60% | 2.90% |
| Q4 2024 | 17.07% | 1.31% | 1.76% | 6.67% | 3.18% |
| Q3 2024 | 16.79% | 1.07% | 1.11% | 4.09% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lee Bank and Trust Company | Pennington Gap , VA | 24277 | $131.5M |
| Jonesville Branch | Jonesville , VA | 24263 | $50.5M |
| Bristol Branch | Bristol , VA | 24201 | $36.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 68 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 48 applications, 31 loans originated, $4.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lee Bank & Trust Company
What are Lee Bank & Trust Company's total assets?
As of the Q2 2026 filing, Lee Bank & Trust Company reported total assets of $257.3 million in its FFIEC call report.
Where is Lee Bank & Trust Company headquartered?
It is headquartered in Pennington Gap, VA, United States.
When was Lee Bank & Trust Company founded?
It was established in 1932, per the FDIC institution directory.
Is Lee Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11582). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lee Bank & Trust Company?
Lee Bank & Trust Company's primary federal regulator is the FDIC.
What is Lee Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lee Bank & Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lee Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 5.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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