The Lowell Five Cent Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lowell Five Cent Savings Bank of Tewksbury, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 1.44% | -0.59% | 21st bottom |
| ROAE | 6.95% | 12.51% | -5.56% | 16th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.84% | -0.13% | 50th above |
| Efficiency Ratio | 59.17% | 58.87% | +0.30% | 48th below |
| PPNR / Avg Assets | 1.54% | 1.78% | -0.24% | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.69% | 5.71% | -0.02% | 59th above |
| Cost of Funds | 2.20% | 2.03% | +0.17% | 37th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 0.96% | +0.07% | 31st below |
| NPA / Total Assets | 0.80% | 0.75% | +0.05% | 31st below |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 91st top |
| ACL / Total Loans | 1.33% | 1.25% | +0.08% | 73rd above |
| ACL / NPLs (Coverage) | 128.93% | 699.47% | -570.54% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.98% | 7.16% | -1.18% | 41st below |
| Provision / NCO | 7862.74% | 805.10% | +7057.64% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 17.41% | -0.60% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 17.44% | -0.63% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.07% | 18.50% | -0.43% | 82nd top |
| Leverage Ratio | 12.68% | 11.59% | +1.09% | 82nd top |
| Equity / Assets | 12.34% | 11.33% | +1.01% | 79th top |
| TCE / Tangible Assets | 12.34% | 10.65% | +1.69% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.25% | 86.35% | +3.90% | 45th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.88% | 85.55% | +1.33% | 41st below |
| Uninsured Deposit Ratio | 41.15% | 32.70% | +8.45% | 23rd bottom |
| Wholesale Funding Ratio | 0.25% | 5.46% | -5.21% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.39% | 10.46% | -2.07% | 69th above |
| Loan Growth (Y/Y) | 9.03% | 7.99% | +1.04% | 70th above |
| Deposit Growth (Y/Y) | 8.45% | 7.98% | +0.47% | 69th above |
See The Lowell Five Cent Savings Bank's peers by name
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Unlock The Lowell Five Cent Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Lowell Five Cent Savings Bank profile, how to read a UBPR, or how this data updates.