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The Lowell Five Cent Savings Bank Locations & Branches Tewksbury, Massachusetts
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The Lowell Five Cent Savings Bank operates 15 branches from its headquarters in Tewksbury, MA, .
The Lowell Five Cent Savings Bank branch network
Its 15 branches span 2 states and 13 cities. The most are in MASSACHUSETTS (14) and NEW HAMPSHIRE (1). MASSACHUSETTS holds 96.1% of its branch deposits. Lowell, MA has the most of its branches, 2. Its largest office by deposits is the Chelmsford Branch office in Chelmsford, MA, with $200.6M (12.3% of its branch deposits). It had the same number of branches on June 30, 2025.
The Lowell Five Cent Savings Bank at a glance
Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.90B
- CET1 ratio, Q2 2026
- 16.81%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1854
Full financial profile · Is The Lowell Five Cent Savings Bank safe? · The Lowell Five Cent Savings Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Tewksbury, MA (2 branches) | 3 of 5 | 19.9% | $192.6M |
| State: MA (14 branches) | 36 of 112 | 0.2% | $1.57B |
Ranked by total assets among banks headquartered in the state: Largest banks in Massachusetts.
Share by county and metro area
The Lowell Five Cent Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Middlesex, MA (12 branches) | 16 of 42 | 1.6% | $1.34B | $83.13B |
| Essex, MA (2 branches) | 23 of 32 | 0.7% | $228.0M | $31.46B |
| Hillsborough, NH (1 branch) | 18 of 24 | 0.4% | $64.5M | $15.39B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (14 branches) | 24 of 99 | 0.3% | $1.57B | $580.15B |
| Manchester-Nashua, NH (1 branch) | 18 of 24 | 0.4% | $64.5M | $15.39B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 90227) · FFIEC NIC profile (RSSD 923707)