LOWRY STATE BANK

LOWRY, MN | Micro | Est. Oct. 4, 1899, midnight | FDIC #10202 | RSSD #457 | FDIC
Latest Report: 2025-12-31

LOWRY STATE BANK is amn micro FDIC-insured commercial bank headquartered in LOWRY, MN, established in Oct. 4, 1899, midnight. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $72M. Profitability stands at 1.11% ROA and 12.01% ROE, with a net interest margin of 4.84%. The bank's CET1 capital ratio is 11.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.41% and a Texas Ratio of 23.43%. FDIC Certificate #10202.

Assets

$88M

Deposits

$72M

Loans

$80M

Equity

$8M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 12.01%
Net Interest Margin (NIM) 4.84%
Yield on Assets 7.42%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 2.41%
Net Charge-Off Ratio 0.25%
Texas Ratio 23.43%
NPA Ratio 2.45%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 11.60%
Tier 1 Capital 11.60%
Total Capital Ratio 12.85%
Leverage Ratio 9.30%
Loan-to-Deposit 111.19%

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