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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Lowell Five Cent Savings Bank

Tewksbury, Massachusetts · $1.90B in assets · beside the 11 other Massachusetts banks between $1B and $3B

The filing

12.3%
Equity / assets
1st of 12
58.1%
CRE / loans
12th of 12
+9.0%
Loans, year over year
1st of 12, largest first

Lowell Five Cent Savings Bank is the fourth largest of the 12 Massachusetts banks nearest its size between $1B and $3B, with $1.90B in assets at 30 June 2026. Loans are 90.2% of deposits, 4th of 12 against a median of 92.5%, and equity is 12.3% of assets, the highest in the cohort. Loans grew +9.0% in the year, the fastest in the cohort, and deposits grew 8.4%; the cohort's median loan growth is +2.6%.

Noncurrent loans are 1.03% of the book, 7th of 12 against a median of 0.99%; 0.53% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 58.1% of loans, the highest in the cohort against a median of 31.8%, and 331% of capital, above the 300% screen, with construction at 94% against the 100% screen.

Return on assets is 0.75%, 3rd of 12 against a median of 0.57%, on an efficiency ratio of 61.7%, 3rd of 12. Five years ago it was 0.63%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.1% of loans).

Commercial real estate, share of loansMA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 31.8% CC Cape & Coast Bank 23.8% NE North Easton Savings Bank 25.7% MS Main Street Bank 26.1% FR Fall River Five Cents Savings Bank 27.5% VB Village Bank 28.0% FB Florence Bank 31.4% EC East Cambridge Savings Bank 32.2% BB Bluestone Bank 37.6% B Bankesb 38.0% B Bankhometown 45.5% EC Everett Coop Bank 57.1% LF Lowell Five Cent Savings Bank 58.1%
Loans, year over yearMA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.6% LF Lowell Five Cent Savings Bank +9.0% EC Everett Coop Bank +8.5% FB Florence Bank +6.6% EC East Cambridge Savings Bank +4.0% VB Village Bank +3.4% B Bankhometown +3.3% CC Cape & Coast Bank +2.0% NE North Easton Savings Bank +1.9% BB Bluestone Bank -0.2% FR Fall River Five Cents Savings Bank -2.0% MS Main Street Bank -5.1% B Bankesb -6.2%

SBA 7(a), FY2008 to FY2026

Lowell Five Cent Savings Bank is the 90th largest 7(a) lender into Massachusetts of 309, with $10M across 24 loans, 0.2% of everything approved in the state (Eastern Bank leads with $778M). 3 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Middlesex, MA$8M39th of 1900.5%+1.2 pts
Essex, MA$2M59th of 1290.2%+0.3 pts
Rockingham, NH$608K74th of 1080.1%quiet FY2022
Worcester, MA$430K104th of 1400.1%thin
Hillsborough, NH$374K85th of 1170.1%+0.1 pts
Santa Fe, NM$350K51st of 650.2%quiet FY2014
Bristol, MA$100K104th of 1120.0%thin
Suffolk, MA$75K124th of 1300.0%quiet FY2018
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services5$6M49.1%0.01%767th of 2,596
Construction3$2M13.4%0.00%1037th of 2,063
Arts, entertainment & recreation6$1M13.1%0.01%676th of 1,656
Retail trade6$911K8.0%0.00%1567th of 2,589
Manufacturing3$664K5.8%0.00%1560th of 2,246
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Lowell Five
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans TL The Lowell Five Cent Savings Bank 0.2% $10M · 24 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Lowell FiveRankCohort median
Total CRE against capital, the 300% screen331%11th of 12246%
Construction against capital, the 100% screen94%11th of 1232%
Construction and land development, share of loans16.5%12th of 125.1%
Non-owner-occupied nonfarm nonresidential, share of loans21.9%9th of 1219.0%
Total CRE, the guidance definition, share of loans58.1%12th of 1231.8%
CRE growth over 36 months, the third prong+30.2%10th of 12+10.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Village Bank$2.07B0.5%75.9%0.23%0.00%0.5%94.5%8.5%
Bankesb$2.02B0.5%69.6%1.67%0.08%1.2%91.2%9.7%
Florence Bank$2.01B0.7%68.3%0.46%0.01%0.7%71.5%10.7%
Lowell Five Cent Savings Bank$1.90B0.8%61.7%1.03%0.01%1.3%90.2%12.3%
Fall River Five Cents Savings Bank$1.86B0.4%83.5%0.73%-0.02%0.7%105.2%7.4%
North Easton Savings Bank$1.84B0.8%71.8%1.64%0.03%0.5%82.3%11.4%
Cape & Coast Bank$1.68B0.5%77.4%0.94%0.00%0.7%104.3%9.6%
Everett Coop Bank$1.67B0.8%56.5%0.10%0.00%0.7%116.6%9.7%
Main Street Bank$1.67B0.6%75.7%1.69%-0.02%0.9%90.1%11.0%
East Cambridge Savings Bank$1.66B0.4%81.9%0.20%0.00%0.6%100.2%9.4%
Bluestone Bank$1.62B0.3%83.1%1.04%0.16%0.6%90.6%8.1%
Bankhometown$1.60B0.6%58.9%2.74%0.96%1.4%93.9%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Lowell FiveCohort median
20212026Change20212026Change
Loans$1.08B$1.48B+37%$958M$1.37B+43%
Deposits$1.34B$1.64B+22%$1.17B$1.40B+19%
NPA / loans3.00%1.03%-1.97 pts0.36%0.99%+0.62 pts
Efficiency71.4%61.7%-9.7 pts67.8%73.7%+5.9 pts
ROA0.63%0.75%+0.12 pts0.75%0.57%-0.18 pts

This read was prepared for Lowell Five Cent Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Lowell Five Cent Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $1B to $3B
Institution www.lowellfive.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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