Lee Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lee Bank & Trust Company of Pennington Gap, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 5.68% | 1.34% | +4.34% | 99th top |
| ROAE | 43.41% | 13.31% | +30.10% | 99th top |
| Net Interest Margin | 3.48% | 3.93% | -0.45% | 26th below |
| Efficiency Ratio | 22.37% | 61.15% | -38.78% | 99th top |
| PPNR / Avg Assets | 7.25% | 1.68% | +5.57% | 99th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.67% | -0.06% | 50th above |
| Cost of Funds | 2.42% | 1.88% | +0.54% | 18th bottom |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 58th above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 2.26% | 1.28% | +0.98% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 797.56% | 1538.87% | -741.31% | 80th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.10% | 7.33% | -2.23% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 545.45% | 1395.81% | -850.36% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.17% | 19.50% | +6.67% | 90th top |
| Tier 1 Ratio | 26.17% | 19.53% | +6.64% | 90th top |
| Total Capital Ratio | 27.44% | 20.62% | +6.82% | 90th top |
| Leverage Ratio | 14.11% | 12.14% | +1.97% | 82nd top |
| Equity / Assets | 13.87% | 11.37% | +2.50% | 84th top |
| TCE / Tangible Assets | 13.87% | 11.09% | +2.78% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.56% | 80.64% | -21.08% | 84th top |
| Core Deposit Ratio | 82.66% | 86.86% | -4.20% | 23rd bottom |
| Wholesale Funding Ratio | 1.17% | 5.03% | -3.86% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.89% | 6.85% | -9.74% | 8th bottom |
| Loan Growth (Y/Y) | 2.78% | 7.90% | -5.12% | 35th below |
| Deposit Growth (Y/Y) | -6.01% | 6.29% | -12.30% | 5th bottom |
See Lee Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lee Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lee Bank & Trust Company profile, how to read a UBPR, or how this data updates.