BlastPoint's Banking Scorecard
The Lowell Five Cent Savings Bank
Designations: ✓ Community bank
Tewksbury, MA
15 branches across MA · NH
The Lowell Five Cent Savings Bank faces 6 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 44.2% in tier
- - Liquidity Strain: Bottom 46.4% in tier
- - ROA 0.69% below tier average
- - Net Interest Margin 0.16% below tier average
- - Efficiency Ratio 3.34% above tier average
- - Delinquency Rate 0.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+8.4% YoY
+4.3% QoQ
|
-$937.1M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.5B
+11.7% YoY
+3.2% QoQ
|
-$503.5M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$1.6B
+8.0% YoY
+4.9% QoQ
|
-$727.8M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
0.68%
+0.5% YoY
-26.5% QoQ
|
-0.69% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.66%
+7.1% YoY
+0.1% QoQ
|
-0.16% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
64.40%
-8.2% YoY
+5.0% QoQ
|
+3.34% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.94%
-36.1% YoY
+129.0% QoQ
|
+0.05% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
90.46%
+3.4% YoY
-1.7% QoQ
|
+6.25% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
13.33%
-8.2% YoY
-3.4% QoQ
|
-7.96% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.73%
-34.1% YoY
+126.6% QoQ
|
+0.06% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
16.29%
-0.6% YoY
-1.7% QoQ
|
+1.13% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.06%
-7.9% YoY
-88.4% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.3% in tier |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.