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
Unfavorable gap of $2.0M · efficiency ratio beats 59% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.87% | 1.20% | 1.41% | Beats 38% | 70 / 113 | | |
| Return on Equity | 10.53% | 8.92% | 11.27% | 13.99% | Beats 42% | 66 / 113 | | |
| Net Interest Margin | 4.18% | 3.42% | 3.88% | 4.31% | Beats 67% | 37 / 113 | | |
| Efficiency Ratio | 58.43% | 54.13% | 61.48% | 69.86% | Beats 59% | 47 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.18% | 0.09% | 0.58% | 1.82% | Beats 8% | 103 / 111 | | |
| Net Charge-Offs / Loans | 0.16% | n/a | 0.00% | 0.04% | Beats 13% | 98 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.06% | 11.53% | 13.31% | 18.13% | Beats 35% | 73 / 113 | | |
| Total Risk-Based Capital Ratio | 13.31% | 12.12% | 14.43% | 19.39% | Beats 42% | 66 / 113 | | |
| Equity / Assets | 9.79% | 8.52% | 10.10% | 11.94% | Beats 42% | 65 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.30% | 62.08% | 77.32% | 88.06% | 96th pctl | 4 / 111 | | |
| Loans / Assets | 92.11% | 55.01% | 66.35% | 75.50% | 98th pctl | 2 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |