Lee Bank and Trust Company

Headquarters: Pennington Gap, Virginia
Charter: Bank
Assets: $257.3M
Fed district: Richmond
Regulator: FDIC
Holding company: Lee Bankshares Inc.

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 18, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for Lee Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Lee Bank and Trust Company's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Lee Bank and Trust Company (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $22K in Q2 2026, 15% below the same quarter a year earlier ($26K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Insured Money Fund Account
Can be waived with a minimum daily balance of $5,000 or more.
Lee Bank and Trust Company: $2
Lee Bank and Trust Company: $2
U.S. median: no median
Overdraft (OD)
Lee Bank and Trust Company: $30
Lee Bank and Trust Company: $30
U.S. median: no median
NSF / Returned Item
Lee Bank and Trust Company: $30
Lee Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 15% from Q3 2025 to Q2 2026, to $22K.

Service-charge income, Q2 2026

$22K

$26KQ3 2025

$24KQ4 2025

$22KQ1 2026

$22KQ2 2026

Against the median

Lee Bank and Trust CompanyMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Lee Bank and Trust Company · $257M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$249M to $266M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lee Bank and Trust Company(this institution)	Pennington Gap, VA	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alliance Bank	Mondovi, WI	$266M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alliant Bank	Madison, MO	$256M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Brookhaven	Brookhaven, MS	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Easton	North Easton, MA	$249M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Hindman	Hindman, KY	$260M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Perry County	Lobelville, TN	$253M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cendera Bank	Bells, TX	$258M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Clackamas County Bank	Sandy, OR	$266M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Commercial State Bank	Wausa, NE	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of Manhattan	Manhattan, IL	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Burleson	Burleson, TX	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank USA	Boutte, LA	$249M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Bank	Somers, IA	$256M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hometown Bank	Kent, OH	$255M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jim Thorpe Neighborhood Bank	Jim Thorpe, PA	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Quoin Financial Bank	Miller, SD	$251M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan State Bank	Raritan, IL	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Bank	New Auburn, WI	$254M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security National Bank of South Dakota	Dakota Dunes, SD	$251M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Farmers State Bank of Westmoreland	Westmoreland, KS	$258M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Bank of Georgia	Talbotton, GA	$252M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wayne Bank and Trust Co.	Richmond, IN	$255M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western National Bank	Chester, NE	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wyoming Community Bank	Riverton, WY	$262M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
YNB	Yukon, OK	$261M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (67%) below the median of similar-sized banks.

Its published price is $2, against a peer median of $6 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lee Bank and Trust CompanyPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Lee Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $22K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$4K−15.4%; from Q2 2025
vs start of range: −$7K−24.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Lee Bank and Trust Company (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$22K	$0	0.0%
Q1 2026	$22K	−$2K	−8.3%
Q4 2025	$24K	−$2K	−7.7%
Q3 2025	$26K	$0	0.0%
Q2 2025	$26K	−$1K	−3.7%
Q1 2025	$27K	$0	0.0%
Q4 2024	$27K	−$2K	−6.9%
Q3 2024	$29K	+$1K	+3.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Lee Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Insured Money Fund Account Monthly service fee$2
per month
Account research / balancing assistance$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft charge - To include Bounce Protection and/or NSF Fees$30
per item
Non sufficient funds (NSF) return item$30
per item
NSF Fees$30
per item

ATM & Card

Replacement Card Fee$5
per item

Wire Transfers

Wire transfers - outgoing$15
per item
Wire transfers - incoming paid at windows$5
per item

Check Services

Cashier's Checks$3
Stop payments - Checks/ACH$20
Temporary Checks (kit of 6)$0.50
per item
Collection fee$10

Cash & Deposit

Deposit Return Item Fee - To include Bounce Protection and/or NSF Fees$3
Night Depository rental ( 1 bag included)$12
Not compared: Annual charge, not per item
per year

Account Services

Garnishments / Executions / Levies$15

Fee	Amount	Basis	Note
Account Maintenance
Insured Money Fund Account Monthly service fee	$2	per month	None
Account research / balancing assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft charge - To include Bounce Protection and/or NSF Fees	$30	per item	None
Non sufficient funds (NSF) return item	$30	per item	None
NSF Fees	$30	per item	None
ATM & Card
Replacement Card Fee	$5	per item	None
Wire Transfers
Wire transfers - outgoing	$15	per item	None
Wire transfers - incoming paid at windows	$5	per item	None
Check Services
Cashier's Checks	$3	Not stated	None
Stop payments - Checks/ACH	$20	Not stated	None
Temporary Checks (kit of 6)	$0.50	per item	None
Collection fee	$10	Not stated	None
Cash & Deposit
Deposit Return Item Fee - To include Bounce Protection and/or NSF Fees	$3	Not stated	None
Night Depository rental ( 1 bag included)	$12Not compared: Annual charge, not per item	per year	None
Account Services
Garnishments / Executions / Levies	$15	Not stated	None

Correct a fee source

Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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