The Lowell Five Cent Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.3% in Q2 2026 to -$7.0M, the biggest move on this page. The Lowell Five Cent Savings Bank ranks 17th of 59 Massachusetts banks on CET1 ratio, in the upper half at 16.81% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Lowell Five Cent Savings Bank sits 3.34 points higher, at 16.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 18.07% |
| Tier 1 leverage ratio | 12.68% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $241.5M |
| Tier 1 capital | $241.5M |
| Total risk-based capital | $259.5M |
| Total equity capital | $234.6M |
| Risk-weighted assets | $1.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.34% |
| Tangible equity to tangible assets | 12.34% |
| Equity capital to average assets | 12.32% |
| Internal capital growth rate | 7.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $241.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.27% | 16.27% | 17.40% | 12.62% | $1.25B |
| Q4 2023 | 16.38% | 16.38% | 17.54% | 12.65% | $1.26B |
| Q1 2024 | 16.47% | 16.47% | 17.64% | 12.70% | $1.27B |
| Q2 2024 | 16.78% | 16.78% | 17.98% | 12.69% | $1.26B |
| Q3 2024 | 16.54% | 16.54% | 17.74% | 12.90% | $1.30B |
| Q4 2024 | 16.39% | 16.39% | 17.59% | 12.97% | $1.33B |
| Q1 2025 | 16.38% | 16.38% | 17.60% | 13.00% | $1.35B |
| Q2 2025 | 16.50% | 16.50% | 17.73% | 12.81% | $1.36B |
| Q3 2025 | 16.46% | 16.46% | 17.63% | 12.95% | $1.38B |
| Q4 2025 | 16.56% | 16.56% | 17.76% | 13.02% | $1.42B |
| Q1 2026 | 16.29% | 16.29% | 17.54% | 12.91% | $1.46B |
| Q2 2026 | 16.81% | 16.81% | 18.07% | 12.68% | $1.44B |
The Lowell Five Cent Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lowell Five Cent Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Lowell Five Cent Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90227) · FFIEC NIC profile (RSSD 923707)