The Lowell Five Cent Savings Bank: how it compares with its peers
Against 38 MA banks with half to twice its assets, The Lowell Five Cent Savings Bank's strongest measure in Q2 2026 is net interest margin (3.73% vs. a 3.08% peer median). Its weakest relative measure is assets per employee ($9.2M vs. $10.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 0.71% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 3.08% | Top third Ahead of 84% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.71% | 71.20% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $10.4M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.05% | 97.01% | Context |
What it means for lending operations
Its efficiency ratio of 61.71% is better than the 71.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Fall River Five Cents Savings Bank Fall River, MA · $1.86B
- North Easton Savings Bank South Easton, MA · $1.84B
- Florence Bank Florence, MA · $2.01B
- TruNorth Bank Easthampton, MA · $2.02B
- The Village Bank Newton, MA · $2.07B
- Cape & Coast Bank Yarmouth Port, MA · $1.68B
Questions about The Lowell Five Cent Savings Bank
How big is The Lowell Five Cent Savings Bank?
The Lowell Five Cent Savings Bank, established in 1854, is headquartered in Tewksbury, MA. It reported $1.90B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Lowell Five Cent Savings Bank's return on assets?
0.77% annualized in Q2 2026, against a 0.71% median for 38 MA banks with half to twice its assets, ahead of 63% of them.
What is The Lowell Five Cent Savings Bank's efficiency ratio?
61.71% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 71.20%, and lower is better.
Is The Lowell Five Cent Savings Bank growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 8.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.