Bank Comparison
Lowry State Bank vs North Cambridge Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| CET1 Ratio | 11.86% | 63.29% |
| Tier 1 Capital Ratio | 11.86% | 63.29% |
| Total Capital Ratio | 13.11% | 64.54% |
| Tier 1 Leverage Ratio | 9.70% | 28.49% |
| Equity / Assets | 9.61% | 28.73% |
Profitability
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 1.24% | -0.95% |
| Return on Equity (ROE) | 13.01% | -3.12% |
| Net Interest Margin (NIM) | 4.22% | 3.01% |
| Yield on Earning Assets | 6.58% | 3.99% |
| Cost of Funds | 2.53% | 1.30% |
Asset quality
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| 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% | 0.00% |
| ACL / Loans | 1.36% | 0.92% |
Balance sheet
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Total Assets | $86,563K | $86,398K |
| Total Deposits | $71,020K | $60,021K |
| Total Loans | $79,727K | $46,963K |
| Total Equity | $8,320K | $24,821K |
| Net Income (quarter) | $267 | $-195 |
Liquidity & funding
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 112.26% | 78.24% |
| Core Deposit Ratio | 93.24% | 89.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lowry State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Headquarters City | LOWRY | CAMBRIDGE |
| Headquarters State | MN | MA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 9 |
| Established | Oct. 4, 1899, midnight | Jan. 1, 1912, 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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