The Lowell Five Cent Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Lowell Five Cent Savings Bank leans heavily on commercial real estate. It reported $1.9 billion in assets at June 30, 2026, up 8.4% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also returns 6.9% a year on shareholders' equity, about half the median of 12.6% for banks its size.
Its $323 million non-owner-occupied commercial real estate book is improving, with 0.40% past due or on nonaccrual, down from 4.13% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.03% of loans, down from 1.50% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (41%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, The Lowell Five Cent Savings Bank reported a CET1 capital ratio of 16.81%, a return on assets of 0.85%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 5.98%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 30 International Pl, Tewksbury, MA 01876
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- 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
- April 12, 1854
- Former names
- The Lowell Five Cent Savings Bank (1975); The Lowell Five Cents Savings Bank (1970-1975)
- Offices
- 15 domestic
- Employees (FTE)
- 206
- Domestic deposits
- $1.64B
- Allowance for credit losses
- $19.6M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $1.90B
- Average total loans
- $1.48B
- Average interest-bearing deposits
- $1.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1985
- FDIC Cert
- 90227
- Fed RSSD
- 923707
- Website
- www.lowellfive.com →
- Parent Holding Company
- LOWELL FIVE BANCORP INC (RSSD 4268358)
- Ultimate Parent
- LOWELL FIVE BANCORP MHC (RSSD 4268349)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Lowell Five Cent Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Lowell Five Cent Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Lowell Five Cent Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 0.85% | 1.03% | 5.98% | 3.71% |
| Q1 2026 | 16.29% | 0.68% | 0.93% | 5.53% | 3.61% |
| Q4 2025 | 16.56% | 1.53% | 0.41% | 2.39% | 3.75% |
| Q3 2025 | 16.46% | 0.52% | 0.61% | 3.61% | 3.61% |
| Q2 2025 | 16.50% | 0.93% | 1.50% | 8.83% | 3.60% |
| Q1 2025 | 16.38% | 0.68% | 1.45% | 8.58% | 3.36% |
| Q4 2024 | 16.39% | 0.76% | 1.49% | 8.79% | 3.40% |
| Q3 2024 | 16.54% | 0.70% | 1.70% | 9.88% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chelmsford Branch | Chelmsford , MA | 01824 | $200.6M |
| Dracut Branch | Dracut , MA | 01826 | $196.7M |
| North Andover Branch | North Andover , MA | 01845 | $192.5M |
| Wilmington Branch | Wilmington , MA | 01887 | $187.0M |
| Westford Branch | Westford , MA | 01886 | $115.0M |
| Downtown Lowell Branch | Lowell , MA | 01852 | $114.4M |
| North Chelmsford Branch | North Chelmsford , MA | 01863 | $113.2M |
| Tewksbury Branch | Tewksbury , MA | 01876 | $103.8M |
| The Lowell Five Cent Savings Bank | Tewksbury , MA | 01876 | $88.9M |
| Westford Street Branch | Lowell , MA | 01851 | $82.4M |
| Billerica Branch | Billerica , MA | 01821 | $72.7M |
| Nashua Branch | Nashua , NH | 03062 | $64.5M |
| Pepperell Branch | Pepperell , MA | 01463 | $61.5M |
| Haverhill Branch | Haverhill , MA | 01830 | $35.5M |
| Vocational Technical School Branch | Tyngsboro , MA | 01879 | $6.8M |
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 |
|---|---|---|---|
| May 18, 1962 | Structure Change | Acquired City Institution for Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1960 | Structure Change | Acquired Merrimack River Saving Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Lowell Five Cent Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MA, rank 36 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 226 applications, 174 loans originated, $144.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $1.1M approved, $182K 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Lowell Five Cent Savings Bank
What are The Lowell Five Cent Savings Bank's total assets?
As of the Q2 2026 filing, The Lowell Five Cent Savings Bank reported total assets of $1.90 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Lowell Five Cent Savings Bank headquartered?
The Lowell Five Cent Savings Bank is headquartered in Tewksbury, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was The Lowell Five Cent Savings Bank founded?
The Lowell Five Cent Savings Bank was established in 1854, per the FDIC institution directory.
Is The Lowell Five Cent Savings Bank FDIC-insured?
Yes. The Lowell Five Cent Savings Bank is an FDIC-insured savings bank (FDIC Certificate #90227). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lowell Five Cent Savings Bank?
The Lowell Five Cent Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Lowell Five Cent Savings Bank's CET1 capital ratio?
The Lowell Five Cent Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Lowell Five Cent Savings Bank operate?
The Lowell Five Cent Savings Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lowell Five Cent Savings Bank's Texas Ratio?
The Lowell Five Cent Savings Bank's Texas Ratio is 5.98% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Lowell Five Cent Savings Bank previously called?
The charter now named The Lowell Five Cent Savings Bank has also operated as The Lowell Five Cent Savings Bank (1975), The Lowell Five Cents Savings Bank (1970-1975), per FDIC structure-change records.
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