TellerScore

Lee Bank is a si headquartered in Lee, Massachusetts, in business for about 34 years. At the end of Q2 2026 it reported $591.2M in total assets and $519.6M in deposits, with 5 offices.

Lee Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 46th. Problem-loan coverage contributes the most (92/100, 4.1%); capital cushion contributes the least (46/100, 9.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.63%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 34.8% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the earnings component improved by 16 points.

TellerScore
556064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202457
Q1 202555
Q2 202559
Q3 202561
Q4 202560
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%7.31%9.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.83%
Q3 20248.96%
Q4 20248.98%
Q1 20258.99%
Q2 20259.23%
Q3 20259.25%
Q4 20259.24%
Q1 20269.41%
Q2 20269.63%
Noncurrent loans
0.43%0.60%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.43%
Q3 20240.60%
Q4 20240.61%
Q1 20250.76%
Q2 20250.58%
Q3 20250.44%
Q4 20250.51%
Q1 20260.47%
Q2 20260.52%
Return on assets
0.42%0.71%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.50%
Q4 20240.48%
Q1 20250.42%
Q2 20250.59%
Q3 20250.65%
Q4 20250.69%
Q1 20260.90%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$591.2M9.63%0.52%0.99%84.1%
Q1 202663$578.5M9.41%0.47%0.90%85.0%
Q4 202560$601.3M9.24%0.51%0.69%83.6%
Q3 202561$564.8M9.25%0.44%0.65%88.0%
Q2 202559$563.1M9.23%0.58%0.59%87.3%
Q1 202555$560.1M8.99%0.76%0.42%84.3%
Q4 202457$554.0M8.98%0.61%0.48%84.5%
Q3 202458$546.1M8.96%0.60%0.50%87.1%
Q2 202459$539.6M8.83%0.43%0.47%85.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.63%
24th
Total risk-based capital0.00%
24th
Problem loans0.52%
45th
Net charge-offs-0.01%
88th
Return on assets0.99%
33rd
Net interest margin3.63%
34th
Efficiency ratio70.9%
28th
Loans to deposits84.1%
40th
Uninsured deposits34.8%
17th
Loan-loss reserves0.96%
22nd
Texas ratio4.1%
41st

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Bay State Savings BankBank Worcester, MA57 out of 100, Moderate$580.3M8.8%0.47%vs
The Cooperative BankBank Roslindale, MA52 out of 100, Below average$548.3M9.3%0.57%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
Milford Federal BankBank Milford, MA67 out of 100, Moderate$545.1M11.9%0.40%vs
OneUnited BankBank Boston, MA59 out of 100, Moderate$637.9M10.4%0.42%vs
Walpole Co-operative BankBank Walpole, MA83 out of 100, Strong$646.5M18.8%0.11%vs

Deposit insurance

Is my money safe at Lee Bank?

Yes. Lee Bank is an FDIC-insured institution (FDIC certificate #33645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($181.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Lee Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lee Bank reported 138 home-loan applications under HMDA (LEI 549300LV12W1ZFWAU543): 108 originated ($46,520,000 total), 11 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lee Bank
Type
SI
FDIC certificate #
33645
RSSD ID
790703
Primary regulator
FDIC
Holding company
Berkshire Finl Services Inc
Established
July 1, 1992
Headquarters
75 Park St, Lee, MA 01238
Employees
84

Quick answers

Lee Bank: common questions

Is Lee Bank FDIC insured?

Yes. Lee Bank is an FDIC-insured institution (FDIC certificate #33645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lee Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lee Bank ever failed?

There is no failure record for FDIC certificate #33645 in the FDIC failed bank list.

How many branches does Lee Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
MountainOne BankBank North Adams, MA73 out of 100, Strong$1.1B14.7%1.06%vs
The Pittsfield Co-operative BankBank Pittsfield, MA69 out of 100, Moderate$451.5M13.4%0.36%vs
Greylock Federal Credit UnionCredit union Pittsfield, MA67 out of 100, Moderate$1.8B12.8%1.35%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs