Side-by-side · Q2 2026 data
Lee Bank vs Bay State Savings Bank
Metric by metric
| Measure | Lee Bank | Bay State Savings Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 57 |
| Capital cushion | 46 (stronger) | 38 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 60 (stronger) | 40 |
| Funding & liquidity | 54 (stronger) | 48 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 26th | 14th |
| Total assets | $591.2M | $580.3M |
| Deposits / shares | $519.6M | $513.7M |
| Capital ratio | 9.63% (stronger) | 8.82% |
| Problem loans | 0.52% | 0.47% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 0.99% (stronger) | 0.51% |
| Loans ÷ deposits | 84.1% (stronger) | 94.5% |
| Uninsured deposits | 34.8% | 30.5% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 21.2% |
Lee Bank has the higher TellerScore (64 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Lee Bank leads on 5 and Bay State Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.