MA lenders / Community Bank
The Lowell Five Cent Savings Bank
Community Bank · Tewksbury, MA · Lowell Five Bcorp Mhc
- Total assets
- $1.9B
- CRE loan book
- $1.0B
- QoQ CRE growth
- 4.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.96% as of Q1 2026 — TX bank median 4.87% (1.09pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.96% | 5.99% |
| Q4 2025 | 6.23% | 6.26% |
| Q3 2025 | 6.05% | 6.10% |
| Q2 2025 | 6.09% | 6.14% |
| Q1 2025 | 5.75% | 5.79% |
| Q4 2024 | 5.81% | 5.85% |
| Q3 2024 | 5.59% | 5.67% |
| Q2 2024 | 5.44% | 5.51% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.0B | $231.8M | $286.0M | 339% | $8.8M |
| Q4 2025 | $967.1M | $213.9M | $263.7M | 327% | $2.1M |
| Q3 2025 | $928.9M | $231.2M | $225.7M | 324% | $4.1M |
| Q2 2025 | $907.6M | $210.9M | $221.2M | 320% | $16.7M |
| Q1 2025 | $886.5M | $200.3M | $202.6M | 319% | $16.9M |
| Q4 2024 | $861.5M | $213.3M | $188.3M | 315% | $17.2M |
| Q3 2024 | $833.9M | $195.6M | $177.5M | 307% | $18.3M |
| Q2 2024 | $817.2M | $177.2M | $168.9M | 302% | $15.6M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens and Farmers BankCommunity Bank · West Point · $1.0B CRE book
- First National BankCommunity Bank · Damariscotta · $1.0B CRE book
- Horizon Bank, SSBCommunity Bank · Austin · $1.0B CRE book
- Institution for Savings in Newburyport and Its VicinityCommunity Bank · Newburyport · $1.0B CRE book
- Frandsen Bank & TrustCommunity Bank · Lonsdale · $987.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.