Lee Bank
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Data as of · sourced from FFIEC call reports. How we update
Lee Bank is an FDIC-insured savings bank headquartered in Lee, MA, established in 1992 (FDIC certificate 33645), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $591.2M, up 5.0% from Q2 2025, the 65th largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33645
- Headquarters
- Lee, MA
- Established
- 1992
- Total assets, Q2 2026
- $591.2M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 9.63%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211870870
- Latest call report
- Q2 2026, FFIEC 051 · Lee Bank call report
- Holding company
- BERKSHIRE FINANCIAL SERVICES, INC.
- Asset rank in state
- 65th of 89 in Massachusetts
Little in Lee Bank's latest call report stands out. Based in Lee, Massachusetts, it had $591 million in assets at June 30, 2026, up 5.0% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.6 million, 50% above the same quarter a year earlier. Over the same year, loans grew 5.8% and deposits grew 9.8%. Where it has less room is capital: it funds 9.63% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Lee Bank reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.08%. The figures come from its call report filed with the FFIEC.
Lee Bank ranks as the 65th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $591.2M, loans rose 0.6% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.3% of total loans, ahead of owner-occupied commercial real estate loans at 16.0%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MA; its Lee office books 47% of its branch deposits. Judged on its Q2 2026 call report, Lee Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 75 Park St, Lee, MA 01238
- County
- Berkshire
- Metro Area
- Pittsfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1992
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $519.6M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $588.0M
- Average total loans
- $440.0M
- Average interest-bearing deposits
- $421.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1992
- FDIC Cert
- 33645
- Fed RSSD
- 790703
- Website
- WWW.LEEBANK.COM →
- Parent Holding Company
- BERKSHIRE FINANCIAL SERVICES, INC. (RSSD 1985131)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Lee Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Lee Bank's total assets moved between a low of $536.6M (Q3 2023) and a high of $601.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$591.2M total assets against $563.1M; $539.0M total liabilities against $517.9M.
$437.2M net loans and leases against $413.3M; $519.6M total deposits against $473.3M.
$97.5M securities against $97.5M; $30.0M cash and balances due against $24.1M.
$7.3M total interest income against $6.5M; $2.0M total interest expense against $2.1M.
$5.2M net interest income against $4.4M.
$1.4M total noninterest income against $1.2M; $4.6M total noninterest expense against $4.2M.
$43K provision for credit losses against $33K.
$1.6M net income against $1.1M.
1.08% return on assets against 0.76%; 3.75% net interest margin against 3.34%.
9.63% tier 1 leverage ratio against 9.23%.
Inside the full Lee Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLee Bank rankings
Its closest position to the top of a national ranking is 1,570 of 4,196, for total assets; its furthest is 2,614 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 1.08% (Q2 2026) and its net interest margin ran from 3.07% (Q4 2024) to 3.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 1.08% | 0.52% | 4.08% | 3.75% |
| Q1 2026 | 9.41% | 0.91% | 0.47% | 3.80% | 3.56% |
| Q4 2025 | 9.24% | 0.82% | 0.51% | 4.17% | 3.46% |
| Q3 2025 | 9.25% | 0.76% | 0.44% | 4.19% | 3.42% |
| Q2 2025 | 9.23% | 0.76% | 0.58% | 4.91% | 3.34% |
| Q1 2025 | 8.99% | 0.42% | 0.76% | 6.60% | 3.17% |
| Q4 2024 | 8.98% | 0.41% | 0.61% | 5.50% | 3.07% |
| Q3 2024 | 8.96% | 0.56% | 0.60% | 5.13% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lee Bank (main office) | Lee , MA | 01238 | $244.8M |
| Great Barrington Branch | Great Barrington , MA | 01230 | $121.9M |
| Lenox Branch | Lenox , MA | 01240 | $58.9M |
| Stockbridge Branch | Stockbridge , MA | 01262 | $53.8M |
| Pittsfield Branch | Pittsfield , MA | 01201 | $40.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 75 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 143 applications, 108 loans originated, $46.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $500K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lee Bank
What are Lee Bank's total assets?
As of the Q2 2026 filing, Lee Bank reported total assets of $591.2 million in its FFIEC call report.
Where is Lee Bank headquartered?
It is headquartered in Lee, MA, United States.
When was Lee Bank founded?
It was established in 1992, per the FDIC institution directory.
Is Lee Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #33645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lee Bank?
Lee Bank's primary federal regulator is the FDIC.
How many branches does Lee Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lee Bank's Texas Ratio?
Its Texas Ratio is 4.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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