BlastPoint's Banking Scorecard
Lee Bank
Lee, MA
5 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
- Deposits +9.8% year over year ($519.6M on the books).
- Delinquency rate 0.53%.
- Return on assets 0.99%.
- Efficiency ratio 70.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lee Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30.4% in tier
- - ROA 0.33% below tier average
- - Net Interest Margin 0.36% below tier average
- - Efficiency Ratio 6.42% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$591.2M
+5.0% YoY
+2.2% QoQ
|
+$204.6M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$437.2M
+5.8% YoY
+0.6% QoQ
|
+$178.8M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$519.6M
+9.8% YoY
+1.6% QoQ
|
+$192.9M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
0.99%
+67.9% YoY
+9.8% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.63%
+11.7% YoY
+2.8% QoQ
|
-0.36% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
70.90%
-10.9% YoY
-3.4% QoQ
|
+6.42% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.53%
-10.0% YoY
+10.8% QoQ
|
-0.39% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
84.13%
-3.7% YoY
-1.0% QoQ
|
+6.18% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
19.16%
+2.8% YoY
-2.6% QoQ
|
-2.88% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.39%
-9.3% YoY
+9.0% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
9.63%
-30.5% YoY
+2.2% QoQ
|
-6.28% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.3% in tier |
| Non-Interest Income / Assets ? |
0.44%
+18.8% YoY
+114.1% QoQ
|
-0.12% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.2%
+0.5pp YoY -0.5pp QoQ |
-3.0pp | 22.1% | 16.2% | 22.2% | 41% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 6.1% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.5%
0.0pp YoY -0.1pp QoQ |
-6.1pp | 11.6% | 6.5% | 12.5% | 23% |
| CRE |
36.7%
+2.6pp YoY +0.6pp QoQ |
-2.9pp | 39.5% | 40.3% | 41.4% | 46% |
| 1-4 Family |
57.9%
-2.4pp YoY -0.4pp QoQ |
+25.3pp | 32.6% | 52.4% | 31.3% | 88% |
| Consumer |
0.8%
-0.3pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 1.6% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
9.6%
+0.4pp YoY +0.2pp QoQ |
-2.5pp | 12.2% | 11.5% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
84
+4 (+5.0%) YoY +2 (+2.4%) QoQ |
+25 | 58 | 755 | 482 | 79% |
| Assets per Employee ($) |
$7.0M
0.0% YoY -0.3% QoQ |
-$481K | $7.5M | $10.7M | $8.8M | 53% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 13 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.1pp YoY +0.1pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 54% |
| Allowance Coverage |
1.84x
+10.2% YoY -8.9% QoQ |
-22.31x | 24.15x | 7.95x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+4.0pp YoY +0.9pp QoQ |
-0.6pp | 12.2% | 5.6% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 2.0% | 1.7% | 33% |
| Net Income ($, YTD) |
$2.9M
+77.3% YoY — QoQ |
+$361K | $2.6M | $31.7M | $40.4M | 69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.