Overview / Commentary
18 Hurd Street
Lowell, MA 01852

Sage Bank is headquartered in Lowell and is the 112th largest bank in the state of Massachusetts. It is also the 3,523rd largest bank in the nation. It was established in 1885 and as of June of 2018, it had grown to 64 employees at 2 locations. Sage Bank's money market rates are 3X the national average, but it has a C health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Sage Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #26467
Year Established1885
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.94%
Return on Equity - YTD-13.06%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$143.4MM$141.4MM
LoansQ2 2018vs Q2 2017$123.0MM$122.7MM
DepositsQ2 2018vs Q2 2017$83.9MM$100.9MM
Equity CapitalQ2 2018vs Q2 2017$10.0MM$11.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$760.00K$796.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.1MM$2.4MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sage Bank Savings Account Rates

0.75%*$500*$40kSage e-Savings
OTHER TIERS: 0.05% $10+
0.50%*$10k*-Business Saver Account
OTHER TIERS: 0.05% $10 - $10k
0.05%$10-Business Statement Savings
0.05%$10-Statement Savings

Sage Bank Money Market Rates

1.25%*$100k*-Business Money Market Deposit Account
OTHER TIERS: 0.25% $10 - $25k | 0.75% $25k - $50k | 1.00% $50k - $100k
1.25%*$100k*-Money Market Deposit Account
OTHER TIERS: 0.25% $10 - $25k | 0.75% $25k - $50k | 1.00% $50k - $100k

Sage Bank Checking Account Rates

0.05%$10-Simple Business Checking
0.05%$10-IOLTA Checking
0.05%$10-Interest Checking

Sage Bank CD Rates

2.50%$1k-18 Month CD
2.15%$1k-24 Month CD
1.90%$1k-12 Month CD
1.77%$1k-30 Month CD
1.50%$1k-15 Month CD
1.50%$1k-60 Month CD
1.35%$1k-48 Month CD
1.25%$1k-36 Month CD
1.20%$1k-6 Month CD
1.15%$1k-9 Month CD
0.20%$1k-3 Month CD

Sage Bank IRA Rates

2.50%$1k-18 Month IRA
2.15%$1k-24 Month IRA
1.90%$1k-12 Month IRA
1.77%$1k-30 Month IRA
1.50%$1k-60 Month IRA
1.35%$1k-48 Month IRA
1.25%$1k-36 Month IRA

Sage Bank Locations
Sage Bank18 Hurd StreetLowell, MA 01852
Rogers Street Branch691 Rogers StreetLowell, MA 01852

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