Side-by-side · Q2 2026 data
NBT Bank, National Association vs Lee Bank
Metric by metric
| Measure | NBT Bank, National Association | Lee Bank |
|---|---|---|
| TellerScore | 64 | 64 |
| Capital cushion | 45 | 46 (stronger) |
| Loan quality | 82 | 83 (stronger) |
| Earnings | 68 (stronger) | 60 |
| Funding & liquidity | 44 | 54 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 46th | 26th |
| Total assets | $16.1B | $591.2M |
| Deposits / shares | $13.7B | $519.6M |
| Capital ratio | 9.49% | 9.63% (stronger) |
| Problem loans | 0.55% | 0.52% (stronger) |
| Net charge-offs | 0.16% | -0.01% (stronger) |
| Return on assets | 1.21% (stronger) | 0.99% |
| Loans ÷ deposits | 85.8% | 84.1% (stronger) |
| Uninsured deposits | 42.5% | 34.8% (stronger) |
| Offices | 174 | 5 |
| CFPB complaints (3 yrs) | 126 | — |
| Complaints per $1B deposits | 9.2 | — |
| Mortgage denial rate (HMDA) | 23.4% | 9.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 1 and Lee Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.