The Lowell Five Cent Savings Bank
Tewksbury, MA
IDRSSD: 923707
Total Assets
$1.76B
Latest filing
Total Deposits
$1.51B
Latest filing
Net Interest Margin
3.65%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Lowell Five Cent Savings Bank
30 International Pl
Tewksbury, MA 01876
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/12/1854FDIC Certificate 17817
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Lowell Five Cent Savings Bank (Main) | 30 International Pl | Tewksbury, MA |
| BILLERICA BRANCH | 700 Boston Rd | Billerica, MA |
| CHELMSFORD BRANCH | 23 Fletcher St | Chelmsford, MA |
| NORTH CHELMSFORD BRANCH | 20 Groton Rd | North Chelmsford, MA |
| TEWKSBURY BRANCH | 1775 Main St | Tewksbury, MA |
| DRACUT BRANCH | 2021 Lakeview Ave | Dracut, MA |
| WILMINGTON BRANCH | 270 Main St | Wilmington, MA |
| WESTFORD STREET BRANCH | 1095 Westford St | Lowell, MA |
Showing 7 of 14
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/12/1854 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01876 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 209 |
| Domestic Offices | 15 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/01/1985 |
| Primary Insurance Agency | DIF |
| Website | www.lowellfive.com |
| Data Updated | 11/14/2025 |
| CERT | 90227 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.76B |
| Total Deposits | $1.51B |
| Total Liabilities | $1.55B |
| Total Equity Capital | $218.12M |
| Net Income | $2.30M |
| Net Loans and Leases | $1.37B |
| Assets Per Employee ($Millions) | $8.74M |
| Bank Premises and Fixed Assets | $39.44M |
| Cash and Balances due from Depository Institutions | $85.51M |
| Deposits Held in Domestic Offices | $1.51B |
Key Performance Ratios
| Return on Assets (ROA) | 0.52% |
| Return on Equity (ROE) | 4.25% |
| Net Interest Margin | 3.65% |
| Efficiency Ratio | 61.41% |
| Tier 1 Risk-Based Capital Ratio | 16.461% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.71% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.361% |
| Earning Assets to total Assets | 93.05% |
Income and Expense
| Total Interest Income | $23.13M |
| Total Noninterest Income | $1.31M |
| Total Interest Expense | $8.21M |
| Total Noninterest Expense | $9.96M |
| Net Interest Income | $14.92M |
| Pre-tax Net Operating Income | $3.12M |
| Provision for Credit Losses | $3.14M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $28.20M |
| Total Liabilities and Capital | $1.76B |
Securities
| Securities | $198.85M |
| Available-for-sale debt securities | $198.85M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Lowell Five Cent Savings Bank?
$1.76B as of the latest filing.
How much are The Lowell Five Cent Savings Bank's total deposits?
$1.51B in total deposits.
Where is The Lowell Five Cent Savings Bank located?
Tewksbury, MA.
What is the Net Interest Margin?
3.65%.
How many domestic offices does it operate?
15.
When was it established?
04/12/1854.
What is the Return on Assets (ROA)?
0.52%.
How much are total loans and leases?
$1.37B (latest filing).
What is the total interest income (latest filing)?
$23.13M.