The Lowell Five Cent Savings Bank
Tewksbury, MA · Owner: Lowell Five Bcorp MHC
$1.9B
total assets, June 30, 2026
$1.9B
total assets, June 30, 2026
The Lowell Five Cent Savings Bank is a state savings bank based in Tewksbury, MA, owned by Lowell Five Bcorp MHC. As of June 30, 2026 it held $1.9 billion in assets and $1.6 billion in deposits; assets were up 8.4% from a year before. It has 15 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.9B
+8.4% in a year · +1.2% in a quarter
Deposits
$1.6B
+8.4% in a year · +1.2% in a quarter
Loans
$1.5B
+9.0% in a year · -0.2% in a quarter
Profit so far
$7.2M
Jan 1 to Jun 30, 2026 · +3.3% in a year
Capital ratio
12.68%
-0.12 pts in a year
Return on assets
0.77%
-0.04 pts in a year
Facts
- Type
- State savings bank
- Head office
- 30 International Pl, Tewksbury, MA, 01876
- County
- Middlesex
- Holding company
- Lowell Five Bcorp MHC
- Established
- Apr 12, 1854
- Employees
- 206
- Branches
- 15 in 2 states
- Website
- www.lowellfive.com
- Id
- b90227
Quarter by quarter
September 30, 1985 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
15 offices as of June 30, 2026, holding $1.6 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Massachusetts | 14 | $1.6B | 96.1% |
| New Hampshire | 1 | $64.5M | 3.9% |
| Largest branches | Place | Deposits |
|---|---|---|
| Chelmsford Branch | Chelmsford, MA | $201M |
| Dracut Branch | Dracut, MA | $197M |
| North Andover Branch | North Andover, MA | $192M |
| Wilmington Branch | Wilmington, MA | $187M |
| Westford Branch | Westford, MA | $115M |
| Downtown Lowell Branch | Lowell, MA | $114M |
| North Chelmsford Branch | North Chelmsford, MA | $113M |
| Tewksbury Branch | Tewksbury, MA | $104M |
| The Lowell Five Cent Savings Bank (main office) | Tewksbury, MA | $88.9M |
| Westford Street Branch | Lowell, MA | $82.4M |
Related pages
Questions and answers
How big is The Lowell Five Cent Savings Bank?
$1.9 billion in total assets and $1.6 billion in deposits as of June 30, 2026, with assets up 8.4% from a year before. Its loans were $1.5 billion.
How many branches does The Lowell Five Cent Savings Bank have?
15 branches in 2 states as of June 30, 2026. The most deposits are in Massachusetts ($1.6 billion).
Is The Lowell Five Cent Savings Bank profitable?
Yes: it earned $7.17 million from January 1 to June 30, 2026 (up 3.3% from the same months a year before). Its return on assets was 0.77% a year; about 1% is typical.
Who owns The Lowell Five Cent Savings Bank?
The Lowell Five Cent Savings Bank is owned by Lowell Five Bcorp MHC, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.