BlastPoint's Banking Scorecard
The Lowell Five Cent Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90227
Tewksbury, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
The Lowell Five Cent Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 33% in Community
- - Liquidity Strain: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+8.4% YoY
+2.1% QoQ
|
+$410.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.4B
+10.5% YoY
+3.7% QoQ
|
+$441.1M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.5B
+7.7% YoY
+1.6% QoQ
|
+$374.7M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.93%
+32.2% YoY
+29.8% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.65%
+8.9% YoY
+1.6% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
61.36%
-12.0% YoY
-5.6% QoQ
|
-1.27% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.41%
-72.7% YoY
-33.4% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
92.03%
+2.6% YoY
+2.1% QoQ
|
+8.96% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
13.80%
-7.1% YoY
-3.4% QoQ
|
-7.25% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.32%
-72.1% YoY
-32.3% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.56%
+1.1% YoY
+0.6% QoQ
|
+6.32% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.51%
+71.2% YoY
+154.7% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Overhang
risk
#89 of 268 · Bottom 33% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.56%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
92.03%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#241 of 513 · Bottom 47% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.03%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 10.24%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
53
53th pctile
Efficiency Ratio
Current: 61.36% · Tier avg: 62.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.03% · Tier avg: 83.06%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.80% · Tier avg: 21.05%
Top Weaknesses
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.80% · Tier avg: 21.05%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.03% · Tier avg: 83.06%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
53
53th pctile
Efficiency Ratio
Current: 61.36% · Tier avg: 62.63%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
85
85th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 10.24%