Side-by-side · Q2 2026 data
Florence Bank vs The Lowell Five Cent Savings Bank
Metric by metric
| Measure | Florence Bank | The Lowell Five Cent Savings Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 72 | 77 (stronger) |
| Loan quality | 85 (stronger) | 66 |
| Earnings | 49 | 51 (stronger) |
| Funding & liquidity | 79 (stronger) | 42 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 74th | 36th |
| Total assets | $2.0B | $1.9B |
| Deposits / shares | $1.8B | $1.6B |
| Capital ratio | 12.23% | 12.68% (stronger) |
| Problem loans | 0.46% (stronger) | 1.03% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.72% | 0.77% (stronger) |
| Loans ÷ deposits | 71.0% (stronger) | 89.0% |
| Uninsured deposits | 24.6% (stronger) | 41.1% |
| Offices | 13 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 8.0% |
Florence Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Florence Bank leads on 4 and The Lowell Five Cent Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.