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801 Avenue F
Fort Madison, IA 52627

Lee County Bank & Trust, N.A. is headquartered in Fort Madison and is the 135th largest bank in the state of Iowa. It is also the 3,754th largest bank in the nation. It was established in 1888 and as of March of 2014, it had grown to 37 employees at 3 locations. Lee County Bank & Trust, N.A.'s savings rates are 19% higher than the national average, and it has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Lee County Bank & Trust, N.A. had $2.52 million in non-current loans and owned real-estate with $18.43 million in equity and loan loss allowances on hand to cover it. This gives Lee County Bank & Trust, N.A. a Texas Ratio of 13.66% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Lee County Bank & Trust, N.A. decreased dramatically from 31.59% as of March 31, 2013 to 13.66% as of March 31, 2014, resulting in a positive change of 56.77%.This indicates that the balance sheet and financial strength for Lee County Bank & Trust, N.A. has improved dramatically in recent periods.

Deposit Growth


In the past year, Lee County Bank & Trust, N.A. has increased its total deposits by $10.83 million, resulting in 10.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lee County Bank & Trust, N.A. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lee County Bank & Trust, N.A. has $147.58 million in assets with $18.43 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

Institution Statistics

FDIC Certificate #5819
Year Established1888
Primary RegulatorOCC
Assets and Liabilities
Assets$147.58 million
Loans$90.08 million
Deposits$113.25 million
Equity Capital$16.67 million
Loan Loss Allowance$1.76 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$202,000
Historic Data - March 2013
Assets$147.75 million
Equity Capital$16.07 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.81%
Return on Equity7%
Interest Income$1.35 million

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Lee County Bank & Trust, N.A. Savings Account Rates

0.62%$50k-IRA Variable Savings
0.62%$50k-Health Savings
0.62%$50k-Roth IRA Variable Savings
0.25%--Christmas Club
0.05%$100-Business Savings
0.05%$100-Regular Savings

Lee County Bank & Trust, N.A. Money Market Rates

0.15%$100k-Answer Account
0.10%--MM Super NOW

Lee County Bank & Trust, N.A. Checking Account Rates

1.10%-$15kThe Big Account - Qualifying
0.05%--The Big Account - Non Qualifying
0.05%$100-Regular NOW

Lee County Bank & Trust, N.A. CD Rates

0.46%$1k-48 Month CD
0.36%$1k-36 Month CD
0.30%$1k-30 Month CD
0.25%$1k-24 Month CD
0.20%$1k-18 Month CD
0.15%$1k-12 Month CD
0.10%$1k-182 Day CD
0.05%$1k-91 Day CD

Lee County Bank & Trust, N.A. Locations
Drive In Branch2501-05 Avenue LFort Madison, IA 52627
West Point Branch504 Avenue DWest Point, IA 52656
Lee County Bank & Trust, National Association801 Avenue FFort Madison, IA 52627