🏦Bank Scorer

THE LOWELL FIVE CENT SAVINGS BANK

TEWKSBURY, MA · Supervised by FDIC

Est. 1854FDIC #90,227RSSD: FDIC-90227
Part ofLOWELL FIVE BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

30 International Pl, TEWKSBURY, MA

County

Middlesex County

Established

April 12, 1854

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.6B

Net Loans

$1.5B

Net Income

$3M

ROA

0.68%

ROE

5.46%

Risk-Based Capital

17.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.81%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$1.5B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202420875.96%4.81%
202322367.26%11.66%
202223374.25%10.30%
202125073.2%8.40%
202036171.19%6.65%
201933366.07%9.61%
201828279.08%7.09%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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