# LENOX NATIONAL BANK
LENOX, MA · FDIC certificate 2598 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $64.7M | |
| Deposits | $56.3M | |
| Loans and leases | $22.9M | |
| Total equity | $8.3M | |
| Loans / deposits | 40.09% (p10 of band) | 73.61% |
| Liquid assets / assets | 62.51% (p91 of band) | |
| Uninsured deposits / deposits | 16.12% (p61 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.53% (p73 of band) | 10.70% |
| Unrealized securities loss / equity | -4.15% (p1 of band) | 0.86% |
| AOCI / equity | 0.00% (p39 of band) | |
| ROA (annualized) | -0.05% (p6 of band) | 0.84% |
| Net interest margin | 2.93% (p16 of band) | 3.64% |
| Efficiency ratio | 93.93% (p89 of band) | |
| Noncurrent loans | 0.02% (p16 of band) | 0.69% |
| Net charge-offs (annualized) | 0.26% (p90 of band) | |
| Reserve coverage of noncurrent | 8975.00% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $221,000 (0.96% of loans; DQ 1.81%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.7% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 1 | securities losses >30% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | securities losses >30% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 5 | capital falling, losing money, deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-04-10 [Lenox National Bank to be sold to Adams Community Bank - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQQU1qdjdZU3BZMjBENzFISXFIS2J4cnNEZTViczAzbUFYYjBSVWx5bzF5a29iSzFRSjEtR1VXaUFvNFRITUtfcTBUT0o3aGpUOV82b04xbm5GTGRTc2Y3NDlHY3FXU1gySURuMEV6c1JLQjFZV3dFTTZZaFYtTFl3Zk9wSnZibjc0N1kwREYwVU9QQWFxYVRNYTF2MzFKSmRmQ0xCU2RLQ1dUcmloYVl6Ty12VEx1UkNCaVRKZnFzUldsczhlWUpRMUZQVTRWVHNTbXN0cjR0QTczYmxsQ2dJ?oc=5) · The Berkshire Eagle
- 2026-04-23 [Hugh Curley Cowhig, 91, of Lenox - The Berkshire Edge](https://news.google.com/rss/articles/CBMibEFVX3lxTFBtbTVUWmV6QzA3UW1TTU1MMkg4bHNZQUZIY3g0TlhBQnlSVmpQVEQxSW9xN2J1dGtWV2dZeWNtNXBLODVvNnpxYTI2MjhoXzZMajlrbTdSYjdBb08zajMzZ2wyZk53S3EtMm1fcw?oc=5) · The Berkshire Edge
- 2021-07-29 [Adams Community Bank changing business model - The Berkshire Eagle](https://news.google.com/rss/articles/CBMizwFBVV95cUxPQUY5NWMzX1VvZ1dUcDhQbWVsNDdtZ3p6dE1qVXQxV2JKbGhpTURoM0Nnbi1HdFdQOS13S2ZXWWQzR1lPaFgzaHFNVkRCTWdkUkR3T2I1eVNBRHVOVi1uZ1NGTzlPc1ZmdWNDVHRKYjg1a2J5dE5RMHJpNFQySlYzRWdpVzBnNlFwRURncGMxQ2YyZDhhc3ZYSmFIN3B6YlA4YzViVGFZZ1Q2OUp2QjJnb3V5NnB3QW9FaWdvTFhwbmxUc0hiTXRRLXFwMGVIR3M?oc=5) · The Berkshire Eagle
- 2010-11-28 [William Noonan Obituary (2010) - Lee, MA - MassLive.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQ0tSbDFXYWNiWkN5c1Q3eldpYlMxX21Ra3k4X2ZyamNmWVY4aHk1dnlGMkNGbUxhX3dOTDZ1SWxPZ3Z5SkxVSG5FdlJvdmdqaHhSVVZkOFNBMXYyWExqYWtRc3RGdEJoTGJDbEJzZkpfVEI2ZDBOa1AzVDR3Nmt5RkZVclVmLTdIWVRXRFdQZmpMMm1s?oc=5) · MassLive.com
- 2021-04-19 [Marie Duby Obituary (1947 - 2021) - Lenox, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZGFiQmY2bHoxNzYyRTJYLXl4YlhCVzhMY2ZjRG1iS2lXMWVidkRGSEJ0SnVtRFZIUDl6M3RDQUhFQnRpakJhNHViaVYtSlZBcFc2dXZ5ZWd3eXFDWW45S1FOcVQ5eUdZc3luelcyVlRyTjItcTgtaGtOT0ZwU0xzeG5Ld2lodk0zbFVV?oc=5) · legacy.com
- 2018-07-18 [Robert McNinch, 76, of Lenox, longtime owner and operator of Eastover Resort - The Berkshire Edge](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZlpBVkxiSHNDWFIzbFlvcTdMZjEtM3N5RGktVHJiZHlBdG5Lend3SXVlbldheHUtNVlFdTRBcG1sRHRLNEw1Q0Uwa216OWRpbjdpWVRUOS05bXNNaFZ3VWlyZHJ0eW55cDhtMmc3S1dnT3ZRaUN1R2VwOUJ4a3dfVGs4UVZidURSMXRzVTRYaFZmNUZ5YmFfZDFjb3ZLVTVlZ1pFYXBR?oc=5) · The Berkshire Edge
- 2022-12-29 [Adams Community Bank spends 18 months scouting, then opens its first branch in Pittsfield - The Berkshire Eagle](https://news.google.com/rss/articles/CBMixwFBVV95cUxOYVJ2SXBwY1pNUGNQX2hmV3htZlZGc0dtQzdIZ2hjTkw2NUU1S3M1UDljUlpHWlVXRDZ4cnZmbktOMUd2LW4tUmdzZ3lhcHc1ZWRwNV9TTVZnMURNV2Y2Yy1xTWZPazV2ZWEyNGhzVW5DVkRmajRRTTRoT0FsdmF6WkJsOU9wanlvX2I3djZjaW80azNWZ0hyMVVMMjljVGlrVTdxb0FGSFlQTDNwaG5qVHRoc05VUGlhcGw1ZzctcmdlX2pEdVVR?oc=5) · The Berkshire Eagle
- 2015-09-24 [Bits & Bytes: ‘American West’ at Berkshire Museum; Lenox Apple Squeeze; “The Vandal” at Shake & Co.; Salisbury Bank Shred Day; ‘Songs of World War I’ at Ventfort Hall - The Berkshire Edge](https://news.google.com/rss/articles/CBMiwAFBVV95cUxObVdIemhSeWlITXpXYWt5aXhLdEU3RmNpWlJLMUtNTGhiSEM4bU9DUGpubktYS1FLM1JwZEZ3U1pLXzZQQUF4c0FLV1ZZR1VSd3hzeWlUSFJDcndDUjJnejk1QXpYV1RicmpabWF4SWxzZ1Z2VFktNDAtYW5UOENlYXFZVGhXRlByNzJmUHZpblZUWEJVb1ozNXNMNGlPWV9lNVJ4WjBIWFIwSE5UcUtBMXc0YnZjdWljQ2Yzb1pLa3g?oc=5) · The Berkshire Edge

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2598 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "2598", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide