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Lee Bank And Trust Company

IDRSSD: 661223
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #661223 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.31%.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 58.0%, cash 4.0% of assets.

Cash / Assets
4.02%
Loans / Deposits
58.03%
Brokered %
4.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.18%, CET1 21.18%, leverage 12.43%.

Tier 1 RBC
21.18%
CET1
21.18%
Leverage
12.43%
No watch items at this period.

Asset Quality

StableQoQ -16
63
Sub-score

Asset quality is stable: Adjusted NPL 1.64%, Texas Ratio 6.1%, NCO YTD 0.04%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.04%
30-89 PD
4.20%
Band 0.3% / 3.0%
90+ PD
1.31%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.31%.

Reserves

StrongQoQ -15
85
Sub-score

Reserves are strong: ALLL 2.12% of loans, coverage 132.0%, true coverage 132.0%.

ALLL / Loans
2.12%
Coverage
132.0%
True Loss Coverage
132.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 10:47:22 UTC