Lee Bank and Trust Company: how it compares with its peers
Against 12 VA banks with half to twice its assets, Lee Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (32.82% vs. a 68.11% peer median). Its weakest relative measure is net interest margin (3.45% vs. 4.01%).
| Measure | Lee Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.40% | 0.97% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 4.01% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 32.82% | 68.11% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.21% | 82.62% | Context |
What it means for lending operations
Its efficiency ratio of 32.82% is better than the 68.11% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CornerStone Bank Lexington, VA · $233M
- The Bank of Charlotte County Phenix, VA · $223M
- Farmers and Miners Bank Pennington Gap, VA · $193M
- Highlands Community Bank Covington, VA · $189M
- Movement Bank Danville, VA · $165M
- New Horizon Bank, National Association Powhatan, VA · $359M
Questions about Lee Bank and Trust Company
How big is Lee Bank and Trust Company?
Lee Bank and Trust Company, established in 1932, is headquartered in Pennington Gap, VA. It reported $257M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Lee Bank and Trust Company's return on assets?
3.40% annualized in Q2 2026, against a 0.97% median for 12 VA banks with half to twice its assets, ahead of 92% of them.
What is Lee Bank and Trust Company's efficiency ratio?
32.82% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 68.11%, and lower is better.
Is Lee Bank and Trust Company growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits shrank 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.