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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 138th largest bank in the state of Iowa. It is also the 3,802nd largest bank in the nation. It was established in 1888 and as of December of 2013, 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 B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Lee County Bank & Trust, N.A. had $2.89 million in non-current loans and owned real-estate with $18.83 million in equity and loan loss allowances on hand to cover it. This gives Lee County Bank & Trust, N.A. a Texas Ratio of 15.35% 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 29.19% as of December 31, 2012 to 15.35% as of December 31, 2013, resulting in a positive change of 47.42%.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 $525,000, resulting in 0.5% 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 above average.



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 $144.71 million in assets with $18.83 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

Institution Statistics

FDIC Certificate #5819
Year Established1888
Primary RegulatorOCC
Assets and Liabilities
Assets$144.71 million
Loans$90.78 million
Deposits$106.11 million
Equity Capital$17.05 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$2.73 million
Real Estate Owned$157,000
Historic Data - December 2012
Assets$152.76 million
Equity Capital$16.21 million
Loan Loss Allowance$2.86 million
Unbacked Noncurrent Loans$2.73 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets1.14%
Return on Equity10.13%
Interest Income$5.92 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
0.05%--The Big Account
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