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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 $0.0BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.4B13%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.75%Q2 ’245.26%Q2 ’255.37%Q2 ’26+12%+3%

Non-interest income vs. expense

2.30%Q2 ’242.34%Q2 ’252.23%Q2 ’26+3%-6%

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 0.86%, down 8 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.03% of loans (-47 bps YoY), with net recoveries of 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.

Financial Results

Return on Assets (quarter, annualized)

0.86%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.50%+10 bps YoY

Efficiency Ratio (quarter, annualized)

59.20%-476 bps YoY

Tier 1 Leverage Ratio

12.68%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.52%1.54%0.68%0.86%-8 bps
Return on Equity7.67%4.25%12.34%5.46%6.95%-73 bps
Net Interest Margin3.39%3.40%3.53%3.41%3.50%+10 bps
Efficiency Ratio63.96%61.41%53.44%64.40%59.20%-476 bps
Non-Interest Burden2.08%1.97%1.30%2.11%1.96%-12 bps
Growth
Asset Growth (YoY)4.60%6.90%8.36%8.41%8.39%+379 bps
Loan Growth (YoY)10.03%9.24%10.45%11.77%9.03%-100 bps
Deposit Growth (YoY)3.85%6.85%7.74%8.03%8.45%+460 bps
Asset Quality
Nonperforming Loans / Loans1.50%0.61%0.41%0.93%1.03%-47 bps
Net Charge-Offs / Loans0.00%1.05%0.00%0.02%-0.01%-1 bps
Allowance / Loans1.13%1.07%1.09%1.19%1.33%+20 bps
Allowance Coverage of NPLs0.8x1.8x2.7x1.3x1.3x+0.5x
Capital
Tier 1 Leverage Ratio12.81%12.95%13.02%12.91%12.68%-12 bps
Total Risk-Based Capital17.73%17.63%17.76%17.54%18.07%+34 bps
Equity / Assets12.24%12.36%12.66%12.29%12.34%+10 bps
Liquidity & Funding
Loans / Deposits89.76%91.13%93.04%91.55%90.25%+48 bps
Liquid Assets / Assets5.36%4.39%3.80%4.81%5.74%+38 bps
CRE / Total Capitaln/a408%413%425%n/an/a