Lee Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 114.58 percentage points higher than in Q1 2026, at 797.56%. As of Q2 2026, Lee Bank & Trust Company ranks first in Virginia on return on assets among 56 banks, at 5.68%. Lee Bank & Trust Company's return on assets of 5.68% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 4.43 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.17% |
| Tier 1 risk-based capital ratio | 26.17% |
| Total risk-based capital ratio | 27.44% |
| Tier 1 leverage ratio | 14.11% |
| Equity capital to assets | 13.87% |
| Tangible equity to tangible assets | 13.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.10% |
| Allowance for credit losses to loans | 2.26% |
| Reserve coverage of non-performing loans | 797.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.68% |
| Return on equity | 43.41% |
| Net interest margin | 3.48% |
| Efficiency ratio | 22.37% |
| Yield on earning assets | 5.61% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.56% |
| Core deposits to total deposits | 82.66% |
| Brokered deposits to total deposits | 2.51% |
| Deposits to assets | 84.84% |
| Securities to assets | 42.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.09% | 17.09% | 18.34% | 11.89% | 1.08% |
| Q4 2023 | — | — | — | 11.75% | 1.54% |
| Q1 2024 | 16.53% | 16.53% | 17.78% | 11.98% | 1.00% |
| Q2 2024 | 16.45% | 16.45% | 17.70% | 12.27% | 1.29% |
| Q3 2024 | 16.79% | 16.79% | 18.05% | 12.45% | 1.07% |
| Q4 2024 | 17.07% | 17.07% | 18.32% | 12.17% | 1.31% |
| Q1 2025 | 22.33% | 22.33% | 23.59% | 12.13% | 0.86% |
| Q2 2025 | 22.23% | 22.23% | 23.49% | 12.09% | 1.27% |
| Q3 2025 | 21.22% | 21.22% | 22.47% | 12.23% | 1.08% |
| Q4 2025 | 21.18% | 21.18% | 22.44% | 12.43% | 1.28% |
| Q1 2026 | 22.05% | 22.05% | 23.30% | 12.85% | 1.10% |
| Q2 2026 | 26.17% | 26.17% | 27.44% | 14.11% | 5.68% |
Lee Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lee Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)