The Lowell Five Cent Savings Bank

BankTewksbury, Massachusetts
www.lowellfive.com

Total Assets

$1.8B

Total Deposits

$1.5B

Branches

15

Established

1854

TFS Health Grade

$
C+

79.5 / 100

Average financial health

How we grade

The Lowell Five Cent Savings Bank is a bank headquartered in Tewksbury, Massachusetts, established in 1854. With $1.8B in total assets and 15 branch locations, it has a TFS Financial Health Grade of C+ (79.5/100).

Capital & Safety

Tier 1 Capital Ratio
13.02%(8%)
Total Capital Ratio
17.76%(10%)
Non-Performing Loan Ratio
0.41%

Profitability

Return on Assets (ROA)
0.93%(1%)
Return on Equity (ROE)
7.50%(10%)
Net Interest Margin
3.65%
Efficiency Ratio
61.36%(60%)

Lending & Liquidity

Total Loans
$1.4B
Loan-to-Deposit Ratio
92.03%
Net Charge-Off Ratio
0.27%

Growth

Asset Growth (YoY)
+8.36%
Deposit Growth (YoY)
+7.74%
Net Income
$16.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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