Lowry, MN · Cert 10202 · Financial Services Lowry Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.99% | 1.63% | 1.30% | 1.23% | 1.14% | 0.96% | 1.01% | -29 bps | |
| Return on Equity | 12.96% | 11.92% | 18.41% | 14.34% | 13.47% | 12.48% | 10.23% | 10.55% | -379 bps | |
| Net Interest Margin | 3.71% | 3.78% | 3.91% | 4.00% | 4.08% | 4.07% | 4.12% | 4.18% | +18 bps | |
| Efficiency Ratio | 61.10% | 62.67% | 52.47% | 56.17% | 55.58% | 59.29% | 56.83% | 58.43% | +226 bps | |
| Non-Interest Burden | 2.20% | 2.30% | 1.86% | 2.12% | 2.17% | 2.33% | 2.26% | 2.38% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.73% | 5.41% | 6.78% | 0.53% | 2.97% | 5.85% | 1.70% | 1.97% | +144 bps | |
| Loan Growth (YoY) | 8.92% | 7.43% | 0.48% | 1.03% | 3.10% | 3.19% | 8.41% | -0.96% | -199 bps | |
| Deposit Growth (YoY) | 11.44% | 6.35% | 7.95% | 5.88% | 3.18% | 6.73% | 0.48% | 1.76% | -413 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 1.67% | 1.38% | 3.09% | 2.53% | 2.41% | 2.75% | 3.18% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.00% | 0.09% | 0.05% | 0.25% | 0.52% | 0.31% | +22 bps | |
| Allowance / Loans | 1.16% | 1.25% | 1.31% | 1.31% | 1.47% | 1.33% | 1.36% | 1.51% | +20 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.7x | 0.9x | 0.4x | 0.6x | 0.5x | 0.5x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.52% | 8.65% | 9.07% | 9.36% | 9.44% | 9.30% | 9.70% | 9.58% | +22 bps | |
| Total Risk-Based Capital | 11.67% | 11.89% | 13.31% | 12.48% | 12.67% | 12.85% | 13.11% | 13.31% | +84 bps | |
| Equity / Assets | 8.47% | 8.70% | 8.98% | 9.45% | 9.27% | 9.24% | 9.61% | 9.79% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.08% | 115.00% | 104.04% | 114.35% | 113.00% | 111.19% | 112.26% | 111.30% | -305 bps | |
| Liquid Assets / Assets | 0.89% | 3.31% | 9.97% | 2.75% | 1.47% | 5.44% | 4.35% | 4.52% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 222% | 222% | n/a | n/a | |