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Lowry State Bank

Lowry, MN · Cert 10202 · Financial Services Lowry Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lowry State Bank

Lowry, MN · Cert 10202 · Financial Services Lowry Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$84.1MAssets
$77.4MLoans
$69.6MDeposits
$8.2MEquity
Loan mix
82%RE $57.9M11%C&I $8.0M6%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $59.0M15%Noninterest $10.5MQ2 2025Q2 2026

NIM

6.20%Q2 ’246.41%Q2 ’256.49%Q2 ’26+5%+5%

Non-interest income vs. expense

2.49%Q2 ’242.40%Q2 ’252.54%Q2 ’26-13%+12%

Executive Summary

  • Earnings: ROA of 1.01%, down 29 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 3.18% of loans (+9 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 9.58%, up 22 bps from a year ago.
  • Funding: loans stand at 111.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-29 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+18 bps YoY

Efficiency Ratio (YTD, annualized)

58.43%+226 bps YoY

Tier 1 Leverage Ratio

9.58%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.23%1.14%0.96%1.01%-29 bps
Return on Equity14.34%13.47%12.48%10.23%10.55%-379 bps
Net Interest Margin4.00%4.08%4.07%4.12%4.18%+18 bps
Efficiency Ratio56.17%55.58%59.29%56.83%58.43%+226 bps
Non-Interest Burden2.12%2.17%2.33%2.26%2.38%+25 bps
Growth
Asset Growth (YoY)0.53%2.97%5.85%1.70%1.97%+144 bps
Loan Growth (YoY)1.03%3.10%3.19%8.41%-0.96%-199 bps
Deposit Growth (YoY)5.88%3.18%6.73%0.48%1.76%-413 bps
Asset Quality
Nonperforming Loans / Loans3.09%2.53%2.41%2.75%3.18%+9 bps
Net Charge-Offs / Loans0.09%0.05%0.25%0.52%0.31%+22 bps
Allowance / Loans1.31%1.47%1.33%1.36%1.51%+20 bps
Allowance Coverage of NPLs0.4x0.6x0.5x0.5x0.5x+0.1x
Capital
Tier 1 Leverage Ratio9.36%9.44%9.30%9.70%9.58%+22 bps
Total Risk-Based Capital12.48%12.67%12.85%13.11%13.31%+84 bps
Equity / Assets9.45%9.27%9.24%9.61%9.79%+34 bps
Liquidity & Funding
Loans / Deposits114.35%113.00%111.19%112.26%111.30%-305 bps
Liquid Assets / Assets2.75%1.47%5.44%4.35%4.52%+177 bps
CRE / Total Capitaln/a211%222%222%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lowry State Bank

Lowry, MN · Cert 10202 · Peer group: banks under $1B in assets in MN (n=111-113) · Financial Services Lowry Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$84.1MAssets
$77.4MLoans
$69.6MDeposits
$8.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in MN (rank 37 of 113).
  • Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in MN (rank 103 of 111).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.03%

Rank 70 of 113

Net Interest Margin

4.18%

Rank 37 of 113

Efficiency Ratio

58.43%

Rank 47 of 113

Equity / Assets

9.79%

Rank 65 of 113

Non-interest income vs. expense

$0.1M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 59% of banks under $1B in assets in MN
Bank 58.43%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.87%1.20%1.41%Beats 38%70 / 113
Return on Equity10.53%8.92%11.27%13.99%Beats 42%66 / 113
Net Interest Margin4.18%3.42%3.88%4.31%Beats 67%37 / 113
Efficiency Ratio58.43%54.13%61.48%69.86%Beats 59%47 / 113
Asset Quality
Nonperforming Loans / Loans3.18%0.09%0.58%1.82%Beats 8%103 / 111
Net Charge-Offs / Loans0.16%n/a0.00%0.04%Beats 13%98 / 111
Capital
Tier 1 Capital Ratio12.06%11.53%13.31%18.13%Beats 35%73 / 113
Total Risk-Based Capital Ratio13.31%12.12%14.43%19.39%Beats 42%66 / 113
Equity / Assets9.79%8.52%10.10%11.94%Beats 42%65 / 113
Liquidity & Funding
Loans / Deposits111.30%62.08%77.32%88.06%96th pctl4 / 111
Loans / Assets92.11%55.01%66.35%75.50%98th pctl2 / 113
Brokered Deposits / Depositsn/aNot reported for this institution