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Overview / Commentary
978-458-4598
18 Hurd Street
Lowell, MA 01852

Sage Bank is headquartered in Lowell and is the 118th largest bank in the state of Massachusetts. It is also the 3,619th largest bank in the nation. It was established in 1885 and as of March of 2017, it had grown to 81 employees at 2 locations. Sage Bank's money market rates are 2X the national average, but it has a C- health rating.

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Health
C-
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

Overall
FDIC Certificate #26467
Year Established1885
Employees81
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.82%
Return on Equity - YTD-21.59%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$145.7MM$156.7MM
LoansQ1 2017vs Q1 2016$118.1MM$131.8MM
DepositsQ1 2017vs Q1 2016$106.3MM$112.0MM
Equity CapitalQ1 2017vs Q1 2016$12.0MM$12.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$790.00K$922.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.4MM$892.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$10k*-Business Saver Account
OTHER TIERS: 0.05% $10 - $10k
0.05%--Business Statement Savings
0.05%--Statement Savings

Sage Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Business Money Market Deposit Account
OTHER TIERS: 0.20% $10 - $10k | 0.25% $10k - $25k | 0.75% $25k - $100k
1.00%*$100k*-Money Market Deposit Account
OTHER TIERS: 0.20% $10 - $10k | 0.25% $10k - $25k | 0.75% $25k - $100k

Sage Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Simple Business Checking
0.05%--IOLTA Checking
0.05%--Interest Checking

Sage Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month CD
1.35%$1k-48 Month CD
1.25%$1k-12 Month CD
1.25%$1k-36 Month CD
1.00%$1k-9 Month CD
1.00%$1k-30 Month CD
0.95%$1k-24 Month CD
0.90%$1k-6 Month CD
0.75%$1k-18 Month CD
0.70%$1k-15 Month CD
0.20%$1k-3 Month CD

Sage Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month IRA
1.35%$1k-48 Month IRA
1.25%$1k-12 Month IRA
1.25%$1k-36 Month IRA
1.00%$1k-30 Month IRA
0.95%$1k-24 Month IRA
0.75%$1k-18 Month IRA
Locations


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