Lowry State Bank
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Data as of · sourced from FFIEC call reports. How we update
Lowry State Bank is an FDIC-insured commercial bank headquartered in Lowry, MN, established in 1899 (FDIC certificate 10202), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $84.1M, up 2.0% from Q2 2025, the 184th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 12.06% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10202
- Headquarters
- Lowry, MN
- Established
- 1899
- Total assets, Q2 2026
- $84.1M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 12.06%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091208332
- Latest call report
- Q2 2026, FFIEC 051 · Lowry State Bank call report
- Holding company
- FINANCIAL SERVICES OF LOWRY, INC.
- Asset rank in state
- 184th of 221 in Minnesota
Lowry State Bank operates with a thinner capital cushion than most banks of its size. Based in Lowry, Minnesota, it had $84 million in assets at June 30, 2026, up 2.0% from a year earlier. It holds common equity equal to 12.06% of its risk-weighted assets, about half the median of 22.08% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.7 times its capital, 6.4 times the median of 26% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $285,000. Credit is the area to watch: it carries problem assets equal to 28.1% of the capital and reserves that would absorb them, 20.4 times the median of 1.4% for banks its size.
As of June 30, 2026, Lowry State Bank reported a CET1 capital ratio of 12.06%, a return on assets of 1.33%, a nonperforming-loan ratio of 3.18% and a Texas ratio of 28.10%. The figures come from its call report filed with the FFIEC.
Lowry State Bank ranks as the 184th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.9% to $84.1M, loans fell 2.9% and deposits fell 2.1%. 1-4 family residential loans made up 41.2% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 10.8%. Its one office in the FDIC Summary of Deposits is in Lowry, MN. Judged on its Q2 2026 call report, Lowry State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Florence Ave, Lowry, MN 56349
- County
- Pope
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 1899
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $69.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $119K
- Average total assets
- $86.0M
- Average total loans
- $78.5M
- Average interest-bearing deposits
- $59.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10202
- Fed RSSD
- 457
- Website
- www.lowrystate.bank →
- Parent Holding Company
- FINANCIAL SERVICES OF LOWRY, INC. (RSSD 1127016)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lowry State Bank's total assets ran between $75.9M (Q3 2023) and $87.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$84.1M total assets against $82.4M; $75.8M total liabilities against $74.6M.
$76.3M net loans and leases against $77.2M; $69.6M total deposits against $68.4M.
$511K securities against $500K; $5.1M cash and balances due against $2.9M.
$1.4M total interest income against $1.3M; $494K total interest expense against $497K.
$914K net interest income against $841K.
$33K total noninterest income against $32K; $568K total noninterest expense against $524K.
$97K provision for credit losses against $93K.
$285K net income against $254K.
1.33% return on assets against 1.22%; 4.35% net interest margin against 4.12%.
12.06% CET1 capital ratio against 11.23%; 9.58% tier 1 leverage ratio against 9.36%.
Inside the full Lowry State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q4 2024) to 2.05% (Q1 2025) and its net interest margin ran from 3.98% (Q3 2024) to 4.55% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.06% | 1.33% | 3.18% | 28.10% | 4.35% |
| Q1 2026 | 11.86% | 1.24% | 2.75% | 25.69% | 4.22% |
| Q4 2025 | 11.60% | 1.11% | 2.41% | 23.50% | 4.55% |
| Q3 2025 | 11.41% | 1.40% | 2.53% | 24.45% | 4.44% |
| Q2 2025 | 11.23% | 1.22% | 3.09% | 27.43% | 4.12% |
| Q1 2025 | 12.06% | 2.05% | 1.38% | 11.80% | 4.01% |
| Q4 2024 | 10.63% | 0.72% | 1.67% | 16.98% | 4.15% |
| Q3 2024 | 10.41% | 1.70% | 0.73% | 8.29% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lowry State Bank (main office) | Lowry , MN | 56349 | $69.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 230 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $442K approved, $442K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lowry State Bank
What are Lowry State Bank's total assets?
As of the Q2 2026 filing, Lowry State Bank reported total assets of $84.1 million in its FFIEC call report.
Where is Lowry State Bank headquartered?
It is headquartered in Lowry, MN, United States.
When was Lowry State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Lowry State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10202). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lowry State Bank?
Lowry State Bank's primary federal regulator is the FDIC.
What is Lowry State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.06% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lowry State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lowry State Bank's Texas Ratio?
Its Texas Ratio is 28.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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