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Lowell Five Cent Savings Bank, The

Tewksbury, MA · Cert 90227 · Lowell Five Bcorp MHC

SI · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lowell Five Cent Savings Bank, The

Tewksbury, MA · Cert 90227 · Lowell Five Bcorp MHC

SI · FDIC · 15 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$234.6MEquity
Loan mix
95%RE $1.4B5%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.4B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.3% share · #24 of 100 inst. · $1.6B of $580.3B

1.6% Middlesex
0.7% Essex
0.4% Hillsborough

Executive Summary

  • Earnings: ROA of 0.77%, down 4 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.03% of loans (-47 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.68%, down 12 bps from a year ago.
  • Funding: loans stand at 90.25% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.77%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+17 bps YoY

Efficiency Ratio (YTD, annualized)

61.71%-521 bps YoY

Tier 1 Leverage Ratio

12.68%-12 bps YoY

NIM

4.64%Q2 ’245.04%Q2 ’255.21%Q2 ’26+7%+5%

Non-interest income vs. expense

2.32%Q2 ’242.33%Q2 ’252.25%Q2 ’26+2%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.68%0.81%0.71%0.93%0.68%0.77%-4 bps
Return on Equity5.70%5.85%5.55%6.63%5.82%7.50%5.46%6.20%-42 bps
Net Interest Margin3.02%3.05%3.16%3.23%3.28%3.29%3.41%3.39%+17 bps
Efficiency Ratio70.02%69.70%70.18%66.92%65.01%61.36%64.40%61.71%-521 bps
Non-Interest Burden2.03%2.03%2.14%2.07%2.04%1.82%2.11%2.00%-8 bps
Growth
Asset Growth (YoY)4.09%2.64%5.66%4.60%6.90%8.36%8.41%8.39%+379 bps
Loan Growth (YoY)7.27%9.12%9.29%10.03%9.24%10.45%11.77%9.03%-100 bps
Deposit Growth (YoY)3.09%2.02%5.38%3.85%6.85%7.74%8.03%8.45%+460 bps
Asset Quality
Nonperforming Loans / Loans1.70%1.49%1.45%1.50%0.61%0.41%0.93%1.03%-47 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.35%0.25%0.02%0.01%+1 bps
Allowance / Loans1.16%1.15%1.12%1.13%1.07%1.09%1.19%1.33%+20 bps
Allowance Coverage of NPLs0.7x0.8x0.8x0.8x1.8x2.7x1.3x1.3x+0.5x
Capital
Tier 1 Leverage Ratio12.90%12.97%13.00%12.81%12.95%13.02%12.91%12.68%-12 bps
Total Risk-Based Capital17.74%17.59%17.60%17.73%17.63%17.76%17.54%18.07%+34 bps
Equity / Assets12.31%12.30%12.09%12.24%12.36%12.66%12.29%12.34%+10 bps
Liquidity & Funding
Loans / Deposits89.14%90.76%88.48%89.76%91.13%93.04%91.55%90.25%+48 bps
Liquid Assets / Assets3.92%4.60%6.39%5.36%4.39%3.80%4.81%5.74%+38 bps
CRE / Total Capitaln/an/an/an/a408%413%425%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lowell Five Cent Savings Bank, The

Tewksbury, MA · Cert 90227 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Lowell Five Bcorp MHC

SI · FDIC · 15 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$234.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 27).
  • Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 19 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.75%

Rank 16 of 27

Net Interest Margin

3.39%

Rank 6 of 27

Efficiency Ratio

61.71%

Rank 9 of 27

Equity / Assets

12.34%

Rank 9 of 27

Non-interest income vs. expense

$4.8M$42.8MINCOMEEXPENSE
Unfavorable gap of $38.0M · efficiency ratio beats 70% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 61.71%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.48%0.78%0.99%Beats 41%16 / 27
Return on Equity6.11%5.50%7.06%8.20%Beats 33%18 / 27
Net Interest Margin3.39%2.49%2.70%3.34%Beats 78%6 / 27
Efficiency Ratio61.71%59.27%68.19%75.85%Beats 70%9 / 27
Asset Quality
Nonperforming Loans / Loans1.03%0.20%0.58%1.15%Beats 33%19 / 27
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%15 / 27
Capital
Tier 1 Capital Ratio16.81%13.21%14.69%16.81%Beats 74%7 / 27
Total Risk-Based Capital Ratio18.07%13.71%15.43%18.07%Beats 74%7 / 27
Equity / Assets12.34%9.62%11.14%13.14%Beats 67%9 / 27
Liquidity & Funding
Loans / Deposits90.25%91.42%101.19%107.11%15th pctl23 / 27
Loans / Assets77.65%75.31%80.56%83.39%37th pctl17 / 27
Brokered Deposits / Depositsn/aNot reported for this institution