BlastPoint's Banking Scorecard

The Lowell Five Cent Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90227

Designations: ✓ Community bank

Tewksbury, MA

15 branches across MA · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +8.4% year over year ($1.6B on the books).
Delinquency rate 1.04%.
Return on assets 0.77%.
Efficiency ratio 61.71% vs a 59.73% peer average.
Loan-to-deposit ratio 89.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

The Lowell Five Cent Savings Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 45.4% in tier
- ROA 0.62% below tier average
- Net Interest Margin 0.14% below tier average
- Efficiency Ratio 1.99% above tier average
- Delinquency Rate 0.18% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.9B +8.4% YoY +1.2% QoQ	-$892.5M	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$1.5B +8.8% YoY -0.3% QoQ	-$506.8M	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$1.6B +8.4% YoY +1.2% QoQ	-$683.4M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	0.77% -4.7% YoY +13.3% QoQ	-0.62%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.73% +4.8% YoY +1.9% QoQ	-0.14%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	61.71% -7.8% YoY -4.2% QoQ	+1.99%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	1.04% -31.2% YoY +10.9% QoQ	+0.18%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	89.05% +0.3% YoY -1.6% QoQ	+4.01%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	13.28% -8.1% YoY -0.4% QoQ	-7.99%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.80% -30.9% YoY +9.3% QoQ	+0.13%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	16.81% +1.9% YoY +3.2% QoQ	+1.97%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.13% -1.9% YoY +112.3% QoQ	-0.40%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 13.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	13.3% -1.2pp YoY 0.0pp QoQ	-8.1pp	21.4%	16.2%	22.2%	20%
Brokered Deposits	n/a	n/a	9.5%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	5.3% -1.0pp YoY +0.1pp QoQ	-8.7pp	14.0%	6.5%	12.5%	19%
CRE	69.2% +1.4pp YoY +0.1pp QoQ	+19.2pp	50.0%	40.3%	41.4%	87%
1-4 Family	26.8% -0.1pp YoY 0.0pp QoQ	+0.4pp	26.4%	52.4%	31.3%	59%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	1.6%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	16.8% +0.3pp YoY +0.5pp QoQ	+1.2pp	15.6%	16.6%	19.7%	82%
Leverage Ratio	12.7% -0.1pp YoY -0.2pp QoQ	+1.4pp	11.3%	11.5%	12.6%	82%
Total Capital Ratio	18.1% +0.3pp YoY +0.5pp QoQ	+1.4pp	16.7%	17.5%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	206 -3 (-1.4%) YoY 0 QoQ	-108	313	755	482	44%
Assets per Employee ($)	$9.2M +10.0% YoY +1.2% QoQ	-$1.3M	$10.5M	$10.7M	$8.8M	57%
Branch Count	15 0 YoY 0 QoQ	-5	20	13	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.0% -0.5pp YoY +0.1pp QoQ	+0.2pp	0.8%	0.8%	1.0%	75%
Allowance Coverage	1.29x +71.7% YoY +0.8% QoQ	-17.42x	18.71x	7.95x	20.23x	33%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	6.2% -0.4pp YoY +0.7pp QoQ	-6.4pp	12.6%	5.6%	11.6%	12%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.9%	2.0%	1.7%	57%
Net Income ($, YTD)	$7.2M +3.3% YoY — QoQ	-$12.1M	$19.2M	$31.7M	$40.4M	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#79 of 172 • Bottom 45.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.81%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 89.05%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

134

Tier 1 Capital Ratio

capital

Value: 16.81%

Peer Median: 14.84%

#134 of 885 Top 15.0% in $1B-$10B

Top Weaknesses (3 metrics)

767

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#767 of 885 Bottom 13.4% in $1B-$10B

733

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.39%

#733 of 885 Bottom 17.3% in $1B-$10B

704

Non-Interest-Bearing Deposit Share

funding

Value: 13.28%

Peer Median: 21.27%

#704 of 885 Bottom 20.6% in $1B-$10B