Bank Comparison
Lowry State Bank vs CenBank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| CET1 Ratio | 11.86% | 11.63% |
| Tier 1 Capital Ratio | 11.86% | 11.63% |
| Total Capital Ratio | 13.11% | 12.60% |
| Tier 1 Leverage Ratio | 9.70% | 7.26% |
| Equity / Assets | 9.61% | 7.13% |
Profitability
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 0.58% |
| Return on Equity (ROE) | 13.01% | 7.88% |
| Net Interest Margin (NIM) | 4.22% | 4.29% |
| Yield on Earning Assets | 6.58% | 5.35% |
| Cost of Funds | 2.53% | 1.14% |
Asset quality
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| Texas Ratio | 37.99% | 0.00% |
| Non-Performing Loan Ratio | 3.97% | 0.00% |
| Non-Performing Asset Ratio | 3.92% | 0.00% |
| Net Charge-Off Ratio | 0.52% | 0.01% |
| ACL / Loans | 1.36% | 1.07% |
Balance sheet
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| Total Assets | $86,563K | $87,184K |
| Total Deposits | $71,020K | $80,576K |
| Total Loans | $79,727K | $47,304K |
| Total Equity | $8,320K | $6,216K |
| Net Income (quarter) | $267 | $122 |
Liquidity & funding
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| Loan-to-Deposit Ratio | 112.26% | 58.71% |
| Core Deposit Ratio | 93.24% | 95.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lowry State Bank | CenBank |
|---|---|---|
| Headquarters City | LOWRY | Buffalo Lake |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 9 | 11 |
| Established | Oct. 4, 1899, midnight | Jan. 1, 1893, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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