The Lowell Five Cent Savings Bank
Total assets
$1.90B
▲ +8.4% YoY
Deposits
$1.64B
▲ +8.4% YoY
Loans
$1.46B
▲ +8.8% YoY
Offices
15
LOWELL FIVE BCORP MHC
ROA (annualized)
0.77%
peers 1.26%
ROE (annualized)
6.20%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.5% | +2.9 pts |
| Deposit growth (YoY) | +8.4% | +5.1% | +3.4 pts |
| Loan growth (YoY) | +8.8% | +5.9% | +2.9 pts |
| ROA | 0.77% | 1.26% | -0.5 pts |
| ROE | 6.2% | 12.2% | -6.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
Profile
- Established
- 1854
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LOWELL FIVE BCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 30 International Pl, Tewksbury, MA, 01876
- County
- Middlesex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 15
- FDIC cert #
- 90227
- RSSD ID
- 923707
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.90B | $1.64B | $1.46B | $234.6M | $7.2M | 0.77% | 3.73% | 0.80% |
| Q1 2026 | $1.88B | $1.62B | $1.46B | $230.8M | $3.1M | 0.68% | 3.66% | 0.73% |
| Q4 2025 | $1.80B | $1.54B | $1.42B | $228.1M | $16.1M | 0.93% | 3.65% | 0.32% |
| Q3 2025 | $1.76B | $1.51B | $1.37B | $218.1M | $9.2M | 0.71% | 3.59% | 0.48% |
| Q2 2025 | $1.75B | $1.51B | $1.34B | $214.7M | $6.9M | 0.81% | 3.56% | 1.16% |
| Q1 2025 | $1.73B | $1.50B | $1.31B | $209.5M | $2.9M | 0.68% | 3.41% | 1.11% |
| Q4 2024 | $1.66B | $1.43B | $1.28B | $204.5M | $11.5M | 0.70% | 3.35% | 1.16% |
| Q3 2024 | $1.65B | $1.42B | $1.25B | $203.2M | $8.4M | 0.68% | 3.30% | 1.30% |
Loan mix (Q2 2026): real estate $1.40B · commercial $76.8M · consumer $762K · securities $208.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.70% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 59.0% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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