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The Lowell Five Cent Savings Bank
Tewksbury, MA · FDIC Certificate #90227 · Chartered 04/1
Total assets
$1.90B
Total deposits
$1.64B
Total equity
$234.55M
Net loans
$1.46B
Branches (offices)
15
Net income (YTD)
$7.17M
Rank: #628 of 4,213 U.S. banks by assets · #27 of 89 in Massachusetts. Assets changed 8.4% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 6.20% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 12.34% |
| Tier 1 leverage ratio | 12.68% |
| Uninsured deposits (share of deposits) | 41.1% |
| Noncurrent loans (share of loans) | 1.03% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 96.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.40B | 96.0% | |
| Commercial & industrial | $76.81M | 5.3% | |
| Consumer / individual | $762.00K | 0.1% | |
| Construction & development | $244.21M | 16.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.72B | $1.53B | $6.39M | $165.99M |
| Jun 2023 | $1.61B | $1.41B | $8.04M | $179.36M |
| Jun 2024 | $1.68B | $1.45B | $5.44M | $195.66M |
| Jun 2025 | $1.75B | $1.51B | $6.94M | $214.72M |
| Jun 2026 | $1.90B | $1.64B | $7.17M | $234.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.57B | 14 |
| New Hampshire | $64.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.64B.
Similar-sized banks
Bank Of Bird-In-Hand ($1.91B) · The Citizens National Bank Of Meridian ($1.89B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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