Lee Bank

Lee, MassachusettsFDIC Cert #33645

STATEEstablished 19925 branches

Holding company: BERKSHIRE FINL SERVICES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$66M
Investor CRE	$48.2M
Multifamily	$14.9M
Construction	$27.5M
1–4 family	$254M
C&I	$24.4M
Agriculture	$64K
Other	$4.16M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$439M

+6.5%y/y

Percentile by value68th percentileby value

FDICLNLSGR

Net loans

$435M

+6.5%y/y

Percentile by value68th percentileby value

FDICLNLSNET

Loans YoY

+6.54%

+14.9%y/y

Percentile by value55th percentileby value

FDICLNLSNET

L/D

85.0%

+0.8%y/y

Percentile by value60th percentileby value

FDICLNLSNET + DEP

Loans/assets

75.1%

+3.1%y/y

Percentile by value68th percentileby value

FDICLNLSNET + ASSET

RE loans %

99.66%

−0.1%y/y

Percentile by value91st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,807points

−7.4%y/y

Peer standing10th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.04%

−4.2%y/y

Percentile by value64th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.99%

+3.2%y/y

Percentile by value40th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.55%

+8.9%y/y

Percentile by value24th percentileby value

FDICLNCI + LNLSGR