Lowry State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lowry State Bank of Lowry, MN against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.33% | 0.85% | +0.48% | 63rd above |
| ROAE | 13.77% | 5.23% | +8.54% | 76th top |
| Net Interest Margin | 4.35% | 3.94% | +0.41% | 69th above |
| Efficiency Ratio | 59.66% | 76.13% | -16.47% | 71st above |
| PPNR / Avg Assets | 1.76% | — | — | 71st above |
| Yield on Earning Assets | 6.69% | 5.42% | +1.27% | 91st top |
| Cost of Funds | 2.79% | 1.69% | +1.10% | 12th bottom |
| Net Interest Spread | 3.69% | — | — | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.18% | 1.23% | +1.95% | 11th bottom |
| NPA / Total Assets | 3.14% | — | — | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.11% | -0.03% | 17th bottom |
| ACL / Total Loans | 1.51% | — | — | 67th above |
| ACL / NPLs (Coverage) | 47.40% | — | — | 18th bottom |
| Texas Ratio | 28.10% | 7.23% | +20.87% | 4th bottom |
| Provision / NCO | 606.25% | — | — | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.06% | 25.12% | -13.06% | 6th bottom |
| Tier 1 Ratio | 12.06% | 25.12% | -13.06% | 6th bottom |
| Total Capital Ratio | 13.31% | — | — | 7th bottom |
| Leverage Ratio | 9.58% | 14.13% | -4.55% | 13th bottom |
| Equity / Assets | 9.79% | 13.07% | -3.28% | 23rd bottom |
| TCE / Tangible Assets | 9.79% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.30% | 68.58% | +42.72% | 3rd bottom |
| Core Deposit Ratio | 93.77% | 88.79% | +4.98% | 66th above |
| Wholesale Funding Ratio | 7.14% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.97% | — | — | 42nd below |
| Loan Growth (Y/Y) | -0.96% | — | — | 35th below |
| Deposit Growth (Y/Y) | 1.76% | — | — | 46th below |
See Lowry State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lowry State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lowry State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Lowry State Bank peer analysis.