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
Unfavorable gap of $38.0M · efficiency ratio beats 70% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.48% | 0.78% | 0.99% | Beats 41% | 16 / 27 | |
| Return on Equity | 6.11% | 5.50% | 7.06% | 8.20% | Beats 33% | 18 / 27 | |
| Net Interest Margin | 3.39% | 2.49% | 2.70% | 3.34% | Beats 78% | 6 / 27 | |
| Efficiency Ratio | 61.71% | 59.27% | 68.19% | 75.85% | Beats 70% | 9 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.20% | 0.58% | 1.15% | Beats 33% | 19 / 27 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 15 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 16.81% | 13.21% | 14.69% | 16.81% | Beats 74% | 7 / 27 | |
| Total Risk-Based Capital Ratio | 18.07% | 13.71% | 15.43% | 18.07% | Beats 74% | 7 / 27 | |
| Equity / Assets | 12.34% | 9.62% | 11.14% | 13.14% | Beats 67% | 9 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 90.25% | 91.42% | 101.19% | 107.11% | 15th pctl | 23 / 27 | |
| Loans / Assets | 77.65% | 75.31% | 80.56% | 83.39% | 37th pctl | 17 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |