Bank · FDIC insured
Lowell Five Bank
A $1.9B bank headquartered in Tewksbury, MA, with 14 branches in 2 states. Best rates: CDs 4.25% and savings 0.05% APY.
Lowell Five Bank Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#103 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lowell Five Bank
Founded in 1854, Lowell Five Bank operates as a mutual bank that answers to its depositors rather than shareholders.
Headquartered in Tewksbury, Massachusetts, the bank serves the Merrimack Valley and Southern New Hampshire regions across more than 20 banking center locations.
- Headquarters
- 30 International Pl, Tewksbury, MA 01876
- FDIC certificate
- 90227 ↗
Branches
14 branches in 2 states
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Massachusetts
13 branches
- The Lowell Five Cent Savings BankMain office30 International Pl, Tewksbury, MA 01876Directions
- Billerica Branch700 Boston Rd, Billerica, MA 01821Directions
- Chelmsford Branch23 Fletcher St, Chelmsford, MA 01824Directions
- Dracut Branch2021 Lakeview Ave, Dracut, MA 01826Directions
- Haverhill Branch750 Main St, Haverhill, MA 01830Directions
- Downtown Lowell Branch60 Fletcher Street, Lowell, MA 01852Directions
- Westford Street Branch1095 Westford St, Lowell, MA 01851Directions
- North Andover Branch498 Chickering Rd, North Andover, MA 01845Directions
- North Chelmsford Branch20 Groton Rd, North Chelmsford, MA 01863Directions
- Pepperell Branch65 Groton St, Pepperell, MA 01463Directions
- Tewksbury Branch1775 Main St, Tewksbury, MA 01876Directions
- Westford Branch499 Groton Rd, Westford, MA 01886Directions
- Wilmington Branch270 Main St, Wilmington, MA 01887Directions
New Hampshire
1 branch
- Nashua Branch125 E Dunstable Rd, Nashua, NH 03062Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.68% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.03% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.77% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio12.68%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.03%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.77%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lowell Five Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.