# LEE BANK
LEE, MA · FDIC certificate 33645 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $591.2M | |
| Deposits | $519.6M | |
| Loans and leases | $441.4M | |
| Total equity | $52.1M | |
| Loans / deposits | 84.13% (p57 of band) | 82.04% |
| Liquid assets / assets | 21.56% (p37 of band) | |
| Uninsured deposits / deposits | 34.85% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.92% (p40 of band) | |
| FHLB advances / assets | 1.92% | |
| Tier 1 leverage | 9.63% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -11.49% (p39 of band) | -8.10% |
| AOCI / equity | 0.59% (p93 of band) | |
| ROA (annualized) | 0.99% (p31 of band) | 1.28% |
| Net interest margin | 3.63% (p34 of band) | 3.91% |
| Efficiency ratio | 70.90% (p75 of band) | |
| Noncurrent loans | 0.52% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 184.27% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 45.26% (p52 of band) | |
| Auto loans | $670,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 84 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 4 | uninsured deposits leaving |  |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | wholesale funding >15% |
| 2014-03 | 4 | wholesale funding >15%, capital falling |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | expense ratio p90 |  |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent, expense ratio p90, loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2020-06 | 1 | capital falling | losing money, expense ratio p90, uninsured deposits leaving |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | expense ratio p90, NIM <2.5% |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-28 [Lee Bank board of trustees elects five new corporators - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQNXRLcGhCU1RLTnBkQnFrc2dYd1lwZUhLVFY3SWhDb0tBMHRISzFXVTNxQk9CX3ZLTG9lVmVoYlBDeHJ5SGRiXzZmb2pKN0hDR3ZPSzhwekhVWHFLaEJIY21iMmZJcWVCdlRpQnZFclV1V05lVVgybUNGSnlOVzdPVlF0RUxWQnA5ZEw0RFM3b2cwMGdBZXBFOFBPYkJnT1ZJUjhldHRLR0tZOF9ETGdtWXN5WTNYNFFfNS02NXVDb1M2ZFZXQXZSNFFRN01iX1k3RExj?oc=5) · The Berkshire Eagle
- 2026-03-02 [BUSINESS PERSPECTIVES: Berkshire Bank merges into Beacon Bank - The Berkshire Edge](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWGM0UzVhbDFncE83d0w1TFhaZEVOZXdwY1NPQXhNblVxVnZPeEJ4UXFhbExORGxxZlpobWpSZkJxWXJLSjZfWlZTdmtnamRaNGhOX1RnREhKVkthV1o1M3U5d3NIUHNEZDJOd0o1ZlFWUWJid3N5dUFjNlZ0NGV1UWRnaXpuUVpYTlN2NWVycDRxYm9h?oc=5) · The Berkshire Edge
- 2026-05-12 [Lee Bank Foundation awards $55K in grants to 13 Berkshire nonprofits - The Berkshire Eagle](https://news.google.com/rss/articles/CBMixAFBVV95cUxQOVFyVVgtejFvUkFISHJmRGNjZkszY3Q0VDNFRWd5WUlJbFZXWTJNam9QcWNjTlBHZVplNGhLR21zYWR0OGhOM0djaXB6eW9xRUQ4Sm15YU9DY19lZ1dhdTVkSTZ3VWI4aklEWkJhdDgzM3hhMDlWb2JrTENMUTllV2xReE5Fel9XYVJCb1J2enMxX1NjNmhNSWZEampuS3VlVTgwSzN2dFJfbWpkM0c3THNBd2xZRDkydV91Vm1WQXFVZUNz?oc=5) · The Berkshire Eagle
- 2024-04-02 [How Three Community Bank CEOs Are Tackling Tech, Talent and Deposit Challenges - The Financial Brand](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPb01mTzVJXzh4Q1VHMmUtZW90Umw0NEcwN2lrMmJ2REs0TUlkdHVZRWVHMnMyOUY5eUFtXzhxcnZpRm9LckNZd1V4YjRJaE82Tmx4T0FvdmZJcVpCSExpa1RNUnJGWHM1V0hSSzgxOVJ4Nk05cUJxM3VKNnNUVVpFWkpmTmhMYzlsellVcG1kWHZpZzRfcW9TUDRrUWlicHJHMjdRX3ZHMDFLd0FPZk9FX1YwX3gxSjAwVEh3azBidHYzMVNEUWppUTEyamduWFpPdG9pWThzdGdBeGRZWmc?oc=5) · The Financial Brand
- 2026-02-21 [Peter Brown Obituary (1946 - 2026) - Lenox, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSUZ1V05jQUlkYWRxWW5hcW9zY3lxdkZwcGFnZ0RaVFVxTnlxbzZTZWVpWmRvbUhBYi0yRjl6TjZRbnhmMi14N3lHOUprOHpyTmNHbjlWY2ZHVTZneWFUS3BGQkJDd2UxRTZUMGFObEw5cnJWbnpqQTdaSVFCOVd1cTN3ZENuZXBINFFTSw?oc=5) · legacy.com
- 2023-03-03 [Lee Bank Names New Senior Vice President of Consumer Banking - iBerkshires.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTDZJWXNwaElkRzY3Nkw3N29neTFkdk9TV1Y0SlUtZzRiczBhLXd3eVg1QURoVUp5TGtVa0s1enlmQlhJalJaRHNfYVRvRzB4aTVwWEpyUVdHa0RCaW83dUtFTWlfdTNNVE5tYWx5ZEI3ZGJVZkNrR3drOVdGX1JzMTIyTkpSNHFYb2Z6MmxoNERpWE8xWVdHNWNvVXN4WE1iUXIyaDJEb2k?oc=5) · iBerkshires.com
- 2020-11-09 [Mike Lee - bpi.com](https://news.google.com/rss/articles/CBMiR0FVX3lxTE5rN1JjeFBuTzBjZ1JZZjltQkdxVTROZ29TbmxfZUNkeUpnNFZvUTlieG5TOUhFXzdGYndHQkstZjgxUDBvYjFr?oc=5) · bpi.com
- 2022-12-09 [Hampton, Lee bank robber sentenced to nearly five years in prison - Seacoastonline.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMlFnY3lQazFPX2NFVVJKQnYyaUJKZkFZVktxanpfcXRuekxVWlZFakp3Y1M1Y0hYZVNzZ2ROMUtnUVNxTFo0b21BSUt5ekFlSlZQdWhLMGdEeEt0MUVOVGNRVWRlSGpadUR2WVNYRXdJRGdqYkxxYVVOR2dmbUxNYXFNRUtXN0prZi1JOXhoejVyQWtnZ2pMMzZadmNXYWktbHhwT0VrM0cydy1YWXctWnRFSGFSX0Z6eGx6SzFkcndMSHpFYmNpNjI0RWlhVlVmVXc?oc=5) · Seacoastonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33645 (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/45.json (key "33645", 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