Good Morning Kathleen, 

Thank you for contacting the U of M Extension Service. 

From viewing your photo, it appears your tree has a leaf spot disease. I am unable to determine what type of tree it is?  You have not given me many details. 

Is the entire tree damaged? Are branches dying or is it just leaves with spots?  Are the pest holes in the trunk on the same tree?  Have you identified any pests around/in the tree? 

Please click on the following link about leaf spots: https://extension.umn.edu/plant-diseases/leaf-spot-diseases-trees-and-shrubs 

We have had many leaf spot diseases due to our wet summer weather. Please read through the details of the information for management of the problem. 

You might consider sending more photos of the entire tree, the trunk at ground level and a branch clearly showing several leaves. 

Was the tree watered during the past few years of drought?  Does it receive full sun? 

Good Luck!

Good Morning Kathleen, 

Again, I believe the tree has a leaf spot disease. 

I did not receive any additional photos. 

Here is another link about borers from the Missouri Botanical Garden: https://www.missouribotanicalgarden.org/gardens-gardening/your-garden/help-for-the-home-gardener/advice-tips-resources/insects-pests-and-problems/borers

It appears that some type of borer has invaded the tree trunk. This time of year, late August, the leaves will start to drop soon.  

Good Luck!