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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