Lee Bank & Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 40.0% lower than in Q1 2026, at $3.0M. Within Virginia, Lee Bank & Trust Company is 50th of 56 on loan-to-deposit ratio, 59.56% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lee Bank & Trust Company sits 21.28 points lower, at 59.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | 6.06% |
| Cash and securities | $126.1M |
| Fed funds sold and reverse repos | $435K |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.56% |
| Net loans and leases to deposits | 58.21% |
| Loans and leases to core deposits | 70.59% |
| Core deposits to total deposits | 82.66% |
| Brokered deposits to total deposits | 2.51% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 61.37% | 75.93% | $0 | $6.5M |
| Q4 2023 | 60.45% | 76.04% | $0 | $2.0M |
| Q1 2024 | 58.64% | 75.86% | $0 | $2.0M |
| Q2 2024 | 58.30% | 74.78% | $0 | $2.0M |
| Q3 2024 | 57.45% | 77.29% | $0 | $2.0M |
| Q4 2024 | 55.30% | 74.36% | $0 | $2.0M |
| Q1 2025 | 56.31% | 74.52% | $0 | $2.0M |
| Q2 2025 | 54.47% | 77.78% | $0 | $2.0M |
| Q3 2025 | 60.14% | 81.72% | $0 | $8.0M |
| Q4 2025 | 59.29% | 81.12% | $0 | $3.0M |
| Q1 2026 | 60.27% | 81.32% | $0 | $5.0M |
| Q2 2026 | 59.56% | 82.66% | $0 | $3.0M |
Lee Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lee Bank & Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)