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Bank call report · Tewksbury, MA

The Lowell Five Cent Savings Bank Call Report

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The Lowell Five Cent Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 338 reported line items, schedule by schedule (735 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

The Lowell Five Cent Savings Bank call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID923707
FDIC certificate number90227
Total assets$1.90B

Official Q2 2026 call report PDF (FFIEC) →

The Lowell Five Cent Savings Bank call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.

Schedule RC: Balance Sheet (22 items)

About Schedule RC · The Lowell Five Cent Savings Bank balance sheet trends

The Lowell Five Cent Savings Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $1.90B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $1.90B
Total Liabilities and Minority Interest RCON2948 $1.67B
Total Deposits RCON2200 $1.64B
Loans and Leases, Net of Unearned Income - Totals RCONB528 $1.48B
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $1.46B
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $1.42B
Undivided Profits and Capital Reserves RCON3632 $241.5M
Total Equity Capital RCON3210 $234.6M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $234.6M
Deposits: Noninterest-bearing RCON6631 $217.2M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $208.3M
Interest-bearing Balances RCON0071 $109.1M
Other Assets RCON2160 $78.6M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $39.3M
Other Liabilities, Total RCON2930 $26.0M
Allowance for Loan and Lease Losses RCON3123 $19.6M
Noninterest-bearing Balances and Currency and Coin RCON0081 $9.0M
Accumulated Other Comprehensive Income RCONB530 -$7.0M
Other Borrowed Money RCON3190 $4.8M
Federal Funds Sold RCONB987 $6K
Common Stock RCON3230 $1K
Schedule RI: Income Statement (36 items)

About Schedule RI · The Lowell Five Cent Savings Bank income statement trends

The Lowell Five Cent Savings Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $49.6M
Interest and Fee Income on Loans, Total RIAD4010 $44.9M
Net Interest Income RIAD4074 $32.3M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $31.5M
Total Noninterest Expense RIAD4093 $21.4M
Total Interest Expense RIAD4073 $17.3M
Salaries and Employee Benefits RIAD4135 $13.0M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $10.8M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $9.7M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $9.7M
Savings Deposits (Including Mmdas) RIAD0093 $9.2M
Income (Loss) Before Discontinued Operations RIAD4300 $7.2M
Net Income (Loss) RIAD4340 $7.2M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $7.2M
Other Noninterest Expense RIAD4092 $5.9M
Provision for Loan and Lease Losses RIAD4230 $4.0M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $3.9M
Provisions for Credit Losses on Financial Assets RIADJJ33 $3.6M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $3.6M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $2.5M
Expenses of Premises and Fixed Assets RIAD4217 $2.5M
Applicable Income Taxes RIAD4302 $2.5M
Total Noninterest Income RIAD4079 $2.4M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $2.1M
Other Noninterest Income RIADB497 $1.8M
Interest Income on Balances Due from Depository Institutions RIAD4115 $1.7M
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $620K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $529K
Interest on Other Securities RIAD4060 $497K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $464K
Other Interest Expense RIADGW44 $89K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $60K
Other Interest Income RIAD4518 $34K
Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities RIADHT73 $33K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $19K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 206
Schedule RC-B: Securities (32 items)

About Schedule RC-B · The Lowell Five Cent Savings Bank securities trends

The Lowell Five Cent Savings Bank Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $52.7M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $47.9M
Total Amortized Cost of Available-for-sale Securities RCON1772 $218.8M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost RCONHT56 $85.9M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value RCONHT57 $82.3M
Pledged Securities RCON0416 $53.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $49.4M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $49.2M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $31.2M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $30.0M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $29.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $26.8M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $20.2M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $19.4M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK152 $18.1M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK153 $17.5M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $16.1M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $15.6M
Amortized Cost of Other Available-for-sale Domestic Debt Securities RCON1739 $9.9M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $9.8M
Fair Value of Other Available-for-sale Domestic Debt Securities RCON1741 $9.5M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $8.4M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $4.6M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $4.4M
Amortized Cost of Structured Notes RCON8782 $3.0M
Fair Value of Structured Notes RCON8783 $2.9M
Amortized Cost of Available-for-sale Other Foreign Debt Securities RCON1744 $2.0M
Fair Value of Available-for-sale Other Foreign Debt Securities RCON1746 $1.9M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA557 $1.3M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years RCONA554 $749K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $318K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA556 $13K
Schedule RC-C, Part I: Loans and Leases (29 items)

About Schedule RC-C, Part I · The Lowell Five Cent Savings Bank loans and leases trends

The Lowell Five Cent Savings Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $1.48B
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $389.6M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $330.9M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $322.9M
Pledged Loans and Leases RCONG378 $302.6M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $291.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $218.2M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $214.9M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $214.3M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $175.7M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $173.5M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $149.7M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $149.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $127.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $107.8M
Commercial and Industrial Loans RCON1766 $76.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $73.4M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $70.8M
Loans Secured by 1-4 Family Residential Construction RCONF158 $68.5M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $50.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $50.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $31.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $18.9M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $9.6M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $8.7M
Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above RCONLE75 $3.4M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $634K
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $95K
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $33K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)

About Schedule RC-C, Part II

The Lowell Five Cent Savings Bank Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $72.2M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $8.8M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $6.7M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $3.3M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $1.9M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $617K
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 172
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 161
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 56
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 52
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 50
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 12
Schedule RC-E: Deposit Liabilities (25 items)

About Schedule RC-E · The Lowell Five Cent Savings Bank deposit liabilities trends

The Lowell Five Cent Savings Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $1.15B
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $824.9M
Total Transaction Accounts RCON2215 $482.8M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $431.3M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $385.8M
Money Market Deposit Accounts (Mmda's) RCON6810 $347.6M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $327.8M
Total Demand Deposits (See Note Below) RCON2210 $240.3M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $214.6M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $175.9M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $162.4M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $109.6M
Total Time Deposits of Less Than $100,000 RCON6648 $107.8M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $97.1M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $86.2M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $76.1M
Total reciprocal deposits RCONJH83 $71.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $66.2M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $51.5M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $41.4M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $38.4M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $37.9M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $14.6M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $1.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $290K
Schedule RC-F: Other Assets (9 items)

About Schedule RC-F

The Lowell Five Cent Savings Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $43.8M
Other Assets RCON2168 $15.6M
First Itemized Amount That Exceeds 25% of All Other Assets (2168) RCON3549 $11.3M
Accrued Interest Receivable RCONB556 $6.1M
Net Deferred Tax Assets RCON2148 $5.6M
Life Insurance Assets: Separate Account Life Insurance Assets RCONK202 $3.6M
Life Insurance Assets: Hybrid Account Life Insurance Assets RCONK270 $2.7M
Prepaid Expenses RCON2166 $1.6M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $1.1M
Schedule RC-G: Other Liabilities (6 items)

About Schedule RC-G

The Lowell Five Cent Savings Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $22.8M
Operating lease liabilities RCONLB56 $11.7M
Deferred Compensation Liabilities RCONC011 $9.5M
Other Expenses Accrued and Unpaid RCON3646 $2.3M
First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) RCON3552 $1.5M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $916K
Schedule RC-K: Quarterly Averages (16 items)

About Schedule RC-K · The Lowell Five Cent Savings Bank quarterly averages trends

The Lowell Five Cent Savings Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $1.90B
Quarterly Average of Total Loans RCON3360 $1.48B
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $1.02B
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $663.1M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $389.6M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $324.9M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $208.2M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $202.4M
Mortgage-backed Securities RCONB559 $139.9M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $108.8M
Quarterly Average of Commercial and Industrial Loans RCON3387 $75.3M
All Other Securities RCONB560 $40.0M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $22.9M
Quarterly Average of Other Borrowed Money RCON3355 $4.8M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $756K
Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell RCON3365 $6K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)

About Schedule RC-L · The Lowell Five Cent Savings Bank derivatives and off-balance-sheet items trends

The Lowell Five Cent Savings Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
1-4 Family Residential Construction Loan Commitments RCONF164 $98.9M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $75.8M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $56.1M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $51.8M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $14.8M
Performance Standby Letters of Credit RCON3821 $3.2M
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $1.9M
Commercial and Similar Letters of Credit RCON3411 $436K
Schedule RC-M: Memoranda (3 items)

About Schedule RC-M · The Lowell Five Cent Savings Bank memoranda trends

The Lowell Five Cent Savings Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONF056 $4.8M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $4.2M
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 1
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)

About Schedule RC-N · The Lowell Five Cent Savings Bank past due and nonaccrual loans, leases, and other assets trends

The Lowell Five Cent Savings Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $15.2M
Additions to Nonaccrual Assets RCONC410 $13.4M
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual RCONF182 $11.9M
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $7.8M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $1.9M
Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing RCON3499 $1.6M
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual RCON5400 $1.5M
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $1.4M
Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF179 $1.3M
1-4 Family Residential Construction Loans: Past Due 31 - 89 Days RCONF172 $794K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF178 $745K
Commercial and Industrial Loans - Nonaccrual RCON1608 $673K
Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual RCON3501 $514K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $506K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $76K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $18K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $2K
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)

About Schedule RC-O · The Lowell Five Cent Savings Bank other data for deposit insurance assessments trends

The Lowell Five Cent Savings Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $1.90B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $1.65B
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $920.4M
Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid RCON5597 $673.0M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $617.6M
Average Tangible Equity for the Calendar Quarter RCONK654 $240.6M
Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) RCONF237 $71.1M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $30.8M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $7.1M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 47,234
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 1,649
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 903
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 15
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (2 items)

About Schedule RC-R · The Lowell Five Cent Savings Bank regulatory capital trends

The Lowell Five Cent Savings Bank Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $1.44B
Excess Allowance for Loan and Lease Losses RCONA222 $2.5M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)

About Schedule RC-R, Part I · The Lowell Five Cent Savings Bank regulatory capital components and ratios trends

The Lowell Five Cent Savings Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $1.90B
Average total consolidated assets RCOAKW03 $1.90B
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $1.44B
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $259.5M
Common Equity Tier 1 Capital RCOAP859 $241.5M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $241.5M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $241.5M
Retained Earnings RCOAKW00 $241.5M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $234.6M
General Loan and Lease Valuation Allowances RCOA5310 $18.0M
Tier 2 (Supplementary) Capital RCOA5311 $18.0M
Tier 2 Capital Before Deductions RCOAP870 $18.0M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$7.8M
Accumulated Other Comprehensive Income RCOAB530 -$7.0M
Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP847 $794K
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $1K
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1807
Common Equity Tier 1 Capital Ratio RCOAP793 0.1681
Tier 1 Risk-based Capital Ratio RCOA7206 0.1681
Tier 1 Leverage Capital Ratio RCOA7204 0.1268
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.1007
Schedule RC-R, Part II: Risk-Weighted Assets (57 items)

About Schedule RC-R, Part II · The Lowell Five Cent Savings Bank risk-weighted assets trends

The Lowell Five Cent Savings Bank Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $1.44B
Total Risk-weighted Assets RCONG641 $1.44B
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $1.11B
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $1.11B
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $1.02B
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $900.5M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $897.3M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $563.8M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $563.8M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $561.3M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $559.8M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $281.9M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $212.6M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $212.6M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $208.3M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $126.8M
Total Cash and Balances Due from Depository Institutions RCOND957 $118.2M
Total All Other Assets RCOND981 $117.9M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $117.3M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $115.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $114.2M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $114.2M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $111.8M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $108.3M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $95.1M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $63.4M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $63.4M
Unconditionally Cancellable Commitments RCONS540 $55.9M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$29.3M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCONS530 $23.0M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $23.0M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $22.8M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $21.3M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $14.2M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $14.2M
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $14.2M
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $14.2M
Available-for-sale Securities - 100 Pct Risk Weight Category RCOND970 $11.9M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$10.5M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount RCONH296 $6.3M
Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount RCONH300 $6.3M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount RCONH297 $4.2M
Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount RCOND997 $3.2M
Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category RCONS461 $3.2M
Financial Standby Letters of Credit - 100 Pct Risk Weight Category RCOND996 $1.9M
Financial Standby Letters of Credit - Credit Equivalent Amount RCOND992 $1.9M
Financial Standby Letters of Credit - Face, Notional, or Other Amount RCOND991 $1.9M
Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category RCONG605 $1.6M
Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount RCOND998 $1.6M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $1.5M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $1.5M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $885K
All Other Assets - 50 Pct Risk Weight Category RCOND984 $807K
All Other Assets - Adjustments to Totals Reported in Column a RCONS469 $794K
All Other Assets - 0 Pct Risk Weight Category RCOND982 $252K
Federal Funds Sold in Domestic Offices RCOND971 $6K
Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category RCOND973 $6K
Schedule RI-A: Changes in Bank Equity Capital (4 items)

About Schedule RI-A

The Lowell Five Cent Savings Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $234.6M
Balance End of Previous Calendar Year as Restated RIADB508 $228.1M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $228.1M
Other Comprehensive Income RIADB511 -$764K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)

About Schedule RI-B, Part I · The Lowell Five Cent Savings Bank charge-offs and recoveries on loans and leases trends

The Lowell Five Cent Savings Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $130K
Charge-offs on Commercial and Industrial Loans RIAD4638 $119K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $79K
Recoveries on Commercial and Industrial Loans RIAD4608 $72K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $11K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $5K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens RIADC217 $1K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens RIADC218 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)

About Schedule RI-B, Part II · The Lowell Five Cent Savings Bank changes in allowances for credit losses trends

The Lowell Five Cent Savings Bank Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $19.6M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $15.6M
Provisions for credit losses on off-balance-sheet exposures RIADMG93 -$383K
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $130K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)

About Schedule RI-C

The Lowell Five Cent Savings Bank Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $1.48B
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $763.7M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $390.5M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost RCONJJ04 $244.2M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $76.8M
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $19.6M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $14.1M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance RCONJJ12 $2.4M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $1.8M
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $1.3M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $762K
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $3K

The Lowell Five Cent Savings Bank call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the The Lowell Five Cent Savings Bank call report?

The The Lowell Five Cent Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does The Lowell Five Cent Savings Bank file?

The Lowell Five Cent Savings Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the The Lowell Five Cent Savings Bank call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Lowell Five Cent Savings Bank has Federal Reserve RSSD ID 923707 and FDIC certificate number 90227. Either one finds its filings on the FFIEC Central Data Repository.

How often does The Lowell Five Cent Savings Bank file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

The Lowell Five Cent Savings Bank financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.