LOWELL FIVE CENT SAVINGS BANK, THE

TEWKSBURY, MA | Large | Est. April 12, 1854, midnight | FDIC #90227 | RSSD #923707 | FDIC
Latest Report: 2025-12-31

LOWELL FIVE CENT SAVINGS BANK, THE is aln large FDIC-insured commercial bank headquartered in TEWKSBURY, MA, established in April 12, 1854, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at 1.54% ROA and 12.34% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 16.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.39%. FDIC Certificate #90227.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.4B

Equity

$228M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 12.34%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.93%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.25%
Texas Ratio 2.39%
NPA Ratio 0.32%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 16.56%
Tier 1 Capital 16.56%
Total Capital Ratio 17.76%
Leverage Ratio 13.02%
Loan-to-Deposit 93.04%

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