Lee Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 4.13 percentage points higher than in Q1 2026, at 27.44%. Lee Bank & Trust Company ranks 5th of 44 Virginia banks on CET1 ratio, in the upper half at 26.17% (Q2 2026). Lee Bank & Trust Company's CET1 ratio of 26.17% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 11.10 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.17% |
| Tier 1 risk-based capital ratio | 26.17% |
| Total risk-based capital ratio | 27.44% |
| Tier 1 leverage ratio | 14.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.9M |
| Tier 1 capital | $36.9M |
| Total risk-based capital | $38.6M |
| Total equity capital | $35.7M |
| Risk-weighted assets | $140.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.87% |
| Tangible equity to tangible assets | 13.87% |
| Equity capital to average assets | 13.66% |
| Internal capital growth rate | 44.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $500K |
| Retained earnings | $37.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.09% | 17.09% | 18.34% | 11.89% | $172.2M |
| Q4 2023 | — | — | — | 11.75% | — |
| Q1 2024 | 16.53% | 16.53% | 17.78% | 11.98% | $181.1M |
| Q2 2024 | 16.45% | 16.45% | 17.70% | 12.27% | $186.9M |
| Q3 2024 | 16.79% | 16.79% | 18.05% | 12.45% | $186.5M |
| Q4 2024 | 17.07% | 17.07% | 18.32% | 12.17% | $184.0M |
| Q1 2025 | 22.33% | 22.33% | 23.59% | 12.13% | $140.4M |
| Q2 2025 | 22.23% | 22.23% | 23.49% | 12.09% | $142.6M |
| Q3 2025 | 21.22% | 21.22% | 22.47% | 12.23% | $152.7M |
| Q4 2025 | 21.18% | 21.18% | 22.44% | 12.43% | $153.6M |
| Q1 2026 | 22.05% | 22.05% | 23.30% | 12.85% | $150.8M |
| Q2 2026 | 26.17% | 26.17% | 27.44% | 14.11% | $140.8M |
Lee Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lee Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lee Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11582) · FFIEC NIC profile (RSSD 661223)