Lee Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 0.88 percentage points higher than in Q1 2026, at 4.23%. Within Virginia, Lee Bank & Trust Company is 40th of 56 on net interest margin, 3.48% as of Q2 2026, below the middle of the field. Lee Bank & Trust Company reported 3.48% on net interest margin for Q2 2026, 0.47 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 6.47% |
| Yield on securities | 4.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | 4.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.15% | 2.38% | 3.13% | 5.74% | 4.48% |
| Q4 2023 | 6.16% | 2.67% | 3.77% | 6.68% | 5.69% |
| Q1 2024 | 5.75% | 2.72% | 3.31% | 5.93% | 5.65% |
| Q2 2024 | 5.76% | 2.84% | 3.22% | 5.96% | 5.64% |
| Q3 2024 | 5.89% | 2.93% | 3.27% | 6.15% | 5.70% |
| Q4 2024 | 5.60% | 2.73% | 3.18% | 6.12% | 5.20% |
| Q1 2025 | 5.46% | 2.88% | 2.90% | 6.11% | 4.99% |
| Q2 2025 | 5.51% | 2.96% | 2.87% | 6.22% | 4.97% |
| Q3 2025 | 5.64% | 2.73% | 3.22% | 6.38% | 5.09% |
| Q4 2025 | 5.72% | 2.61% | 3.41% | 6.56% | 4.96% |
| Q1 2026 | 5.45% | 2.42% | 3.30% | 6.21% | 4.74% |
| Q2 2026 | 5.61% | 2.42% | 3.48% | 6.47% | 4.84% |
Lee Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lee Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)