Listed locations
15
Institution profile
The Lowell Five Cent Savings Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- The Lowell Five Cent Savings Bank
- Display name
- The Lowell Five Cent Savings Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 1, 1985
- Established date
- April 12, 1854
- Charter class
- State-chartered stock savings bank
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Tewksbury, MA, 01876, United States
- Website
- https://www.lowellfive.com
- FDIC certificate number
- 90227
- Federal Reserve RSSD ID
- 923707
- Domestic location count
- 15
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- State Savings Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 90227
- Federal Reserve RSSD ID
- 923707
- LEI
- 254900F213LCBO4VGA06
- Headquarters
- 30 International Place, Tewksbury, MA, 01876, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 15 of 15 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BILLERICA BRANCH | 700 Boston Road | Billerica | MA | 01821 |
| CHELMSFORD BRANCH | 23 Fletcher Street | Chelmsford | MA | 01824 |
| DRACUT BRANCH | 2021 Lakeview Avenue | Dracut | MA | 01826 |
| HAVERHILL BRANCH | 750 Main Street | Haverhill | MA | 01830 |
| DOWNTOWN LOWELL BRANCH | 60 Fletcher Street | Lowell | MA | 01854 |
| WESTFORD STREET BRANCH | 1095 Westford Street | Lowell | MA | 01851 |
| NORTH ANDOVER BRANCH | 498 Chickering Road | North Andover | MA | 01845 |
| NORTH CHELMSFORD OFFICE | 20 Groton Road | North Chelmsford | MA | 01863 |
| PEPPERELL BRANCH | 65 Groton Street | Pepperell | MA | 01463 |
| ANDOVER STREET | 30 International Place | Tewksbury | MA | 01876 |
| TEWKSBURY BRANCH | 1775 Main Street | Tewksbury | MA | 01876 |
| GREATER LOWELL TECH HIGH BRANCH | 250 Pawtucket Boulevard | Tyngsboro | MA | 01879 |
| WESTFORD BRANCH | 499 Groton Road | Westford | MA | 01886 |
| WILMINGTON BRANCH | 270 Main Street | Wilmington | MA | 01887 |
| NASHUA BRANCH | 125 E. Dunstable Road | Nashua | NH | 03062 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- October 1, 2024
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| October 1, 2024 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2021 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2018 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2015 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2012 | Satisfactory | FDIC | Large Bank Exam |
| January 5, 2009 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2005 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 2002 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
| July 1, 1997 | Satisfactory | FDIC | Small Bank |
| May 1, 1995 | Satisfactory | FDIC | Not Reported |
| May 1, 1992 | Satisfactory | FDIC | Not Reported |
Institutional history
2 FFIEC NIC history events
Showing 1 through 2 of 2 history events
| Event date | Event type | Related institution |
|---|---|---|
| May 18, 1962 | Charter Discontinued (Merger or Purchase & Assumption) | CITY INSTITUTION FOR SAVINGS |
| June 1, 1960 | Charter Discontinued (Merger or Purchase & Assumption) | MERRIMACK RIVER SAVING BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
5 FFIEC NIC relationship records
Showing 1 through 5 of 5 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | L5 NORTH STREET HOLDINGS, LLC | Domestic Entity Other | Tewksbury, MA |
| Direct relationship | LAKEVIEW INVESTMENTS INC. | Domestic Entity Other | Lowell, MA |
| Direct relationship | LOWELL SECURITIES CORPORATION | Domestic Entity Other | Lowell, MA |
| Direct relationship | MERRIMACK PROPERTIES INC. | Domestic Entity Other | Lowell, MA |
| ROOT_INSTITUTION | LOWELL FIVE CENT SAVINGS BANK, THE | State Savings Bank | Tewksbury, MA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered stock savings bank