Lee Bank
Lee, MA · Cert 33645 · Peer group: banks under $1B in assets (n=581-629) · Berkshire Finl Services Inc.
SI · FDIC · 5 branches
Q2 2026
$591.2MAssets
$441.4MLoans
$519.6MDeposits
$52.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 62% of banks under $1B in assets (rank 239 of 629).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 584 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.99%
Rank 326 of 629
Net Interest Margin
3.47%
Rank 335 of 629
Efficiency Ratio
70.90%
Rank 366 of 629
Equity / Assets
8.81%
Rank 496 of 629
Non-interest income vs. expense
Unfavorable gap of $12.9M · efficiency ratio beats 42% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 326 / 629 | | |
| Return on Equity | 11.19% | 5.38% | 9.30% | 13.28% | Beats 62% | 239 / 629 | | |
| Net Interest Margin | 3.47% | 3.03% | 3.54% | 4.05% | Beats 47% | 335 / 629 | | |
| Efficiency Ratio | 70.90% | 58.35% | 67.79% | 79.08% | Beats 42% | 366 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.09% | 0.46% | 1.20% | Beats 47% | 310 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 264 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.63% | 11.24% | 13.84% | 18.77% | Beats 7% | 582 / 629 | | |
| Total Risk-Based Capital Ratio | 9.63% | 11.58% | 14.43% | 19.66% | Beats 7% | 584 / 629 | | |
| Equity / Assets | 8.81% | 9.09% | 10.65% | 13.80% | Beats 21% | 496 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.95% | 67.24% | 80.90% | 93.48% | 58th pctl | 252 / 594 | | |
| Loans / Assets | 74.67% | 53.31% | 67.71% | 78.15% | 65th pctl | 220 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |