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Lee Bank And Trust Company
Pennington Gap, VA · FDIC Certificate #11582 · Chartered 08/2
Total assets
$257.34M
Total deposits
$218.33M
Total equity
$35.69M
Net loans
$127.10M
Branches (offices)
3
Net income (YTD)
$4.42M
Rank: #2,674 of 4,213 U.S. banks by assets · #45 of 56 in Virginia. Assets changed -2.9% and deposits -6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.40% |
| Return on equity | 26.38% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 13.87% |
| Tier 1 leverage ratio | 14.11% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 1.37% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 58.2% |
| Real estate loans (share of loans) | 47.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $60.47M | 47.6% | |
| Commercial & industrial | $45.47M | 35.8% | |
| Consumer / individual | $21.09M | 16.6% | |
| Construction & development | $6.06M | 4.8% | |
| Agricultural | $2.88M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $186.42M | $160.64M | $554.00K | $24.50M |
| Jun 2023 | $250.09M | $222.58M | $952.00K | $27.08M |
| Jun 2024 | $250.46M | $218.44M | $1.43M | $29.56M |
| Jun 2025 | $265.00M | $232.29M | $1.39M | $30.21M |
| Jun 2026 | $257.34M | $218.33M | $4.42M | $35.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $218.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $218.33M.
Similar-sized banks
Western National Bank ($257.36M) · Cypress Bank & Trust ($256.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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