The Lowell Five Cent Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lowell Five Cent Savings Bank is an FDIC-insured savings bank headquartered in Tewksbury, MA, established in 1854 (FDIC certificate 90227), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.90B, up 8.4% from Q2 2025, the 27th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90227
- Headquarters
- Tewksbury, MA
- Established
- 1854
- Total assets, Q2 2026
- $1.90B
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 16.81%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 211371337
- Holding company
- LOWELL FIVE BANCORP INC
- Asset rank in state
- 27th of 89 in Massachusetts
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%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, The Lowell Five Cent Savings Bank is the 27th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $1.90B, loans fell 0.2% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.5% of total loans, followed by non-owner-occupied commercial real estate loans at 21.9%. The FDIC Summary of Deposits lists 15 offices for it, in 13 cities across 2 states; its Chelmsford office books 12% of its branch deposits. On its Q2 2026 call report, The Lowell Five Cent Savings Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 15 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Lowell Five Cent Savings Bank's total assets ran between $1.59B (Q3 2023) and $1.90B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.90B total assets against $1.75B; $1.67B total liabilities against $1.54B.
$1.46B net loans and leases against $1.34B; $1.64B total deposits against $1.51B.
$208.3M securities against $198.9M; $118.2M cash and balances due against $102.1M.
$25.6M total interest income against $23.1M; $8.9M total interest expense against $8.2M.
$16.6M net interest income against $14.9M.
$1.3M total noninterest income against $1.1M; $10.6M total noninterest expense against $10.3M.
$1.9M provision for credit losses against $268K.
$4.0M net income against $4.1M.
0.85% return on assets against 0.93%; 3.71% net interest margin against 3.60%.
16.81% CET1 capital ratio against 16.50%; 12.68% tier 1 leverage ratio against 12.81%.
Inside the full The Lowell Five Cent Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 620 of 4,196, for total assets; its furthest is 2,804 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q3 2025) to 1.53% (Q4 2025) and its net interest margin ran from 3.24% (Q3 2024) to 3.75% (Q4 2025).
| 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
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MA, rank 36 of 112 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Lowell Five Cent Savings Bank headquartered?
It is headquartered in Tewksbury, MA, United States.
When was The Lowell Five Cent Savings Bank founded?
It was established in 1854, per the FDIC institution directory.
Is The Lowell Five Cent Savings Bank FDIC-insured?
Yes. It 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.
What is The Lowell Five Cent Savings Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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