Bank · FDIC insured
Washington Savings Bank
A $302.3M bank headquartered in Lowell, MA, with 2 branches in Massachusetts. Best rates: CDs 4.13% and savings 2.83% APY.
Washington Savings Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#108 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Washington Savings Bank
Washington Savings Bank operates branch locations in Lowell and Dracut, Massachusetts.
- Headquarters
- 30 Middlesex St, Lowell, MA 01852
- FDIC certificate
- 90229 ↗
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Washington Savings BankMain office30 Middlesex St, Lowell, MA 01852Directions
- Dracut Branch100 Broadway Rd, Dracut, MA 01826Directions
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 | 9.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.23% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio9.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.23%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Washington Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.