Lowry State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.19 percentage points lower than in Q1 2026, at 47.40%. Lowry State Bank ranks 115th of 221 Minnesota banks on return on assets, in the lower half at 1.33% (Q2 2026). Lowry State Bank reported 1.33% on return on assets for Q2 2026, 0.33 points above the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.06% |
| Tier 1 risk-based capital ratio | 12.06% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.58% |
| Equity capital to assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.18% |
| Non-performing assets ratio | 3.14% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 28.10% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 47.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 13.77% |
| Net interest margin | 4.35% |
| Efficiency ratio | 59.66% |
| Yield on earning assets | 6.69% |
| Cost of funds | 2.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.30% |
| Core deposits to total deposits | 93.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.75% |
| Securities to assets | 0.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.97% | 9.97% | 11.20% | 8.48% | 1.22% |
| Q4 2023 | 9.90% | 9.90% | 11.10% | 8.41% | 1.16% |
| Q1 2024 | 10.14% | 10.14% | 11.38% | 8.23% | 1.00% |
| Q2 2024 | 9.86% | 9.86% | 11.11% | 8.46% | 1.35% |
| Q3 2024 | 10.41% | 10.41% | 11.67% | 8.52% | 1.70% |
| Q4 2024 | 10.63% | 10.63% | 11.89% | 8.65% | 0.72% |
| Q1 2025 | 12.06% | 12.06% | 13.31% | 9.07% | 2.05% |
| Q2 2025 | 11.23% | 11.23% | 12.48% | 9.36% | 1.22% |
| Q3 2025 | 11.41% | 11.41% | 12.67% | 9.44% | 1.40% |
| Q4 2025 | 11.60% | 11.60% | 12.85% | 9.30% | 1.11% |
| Q1 2026 | 11.86% | 11.86% | 13.11% | 9.70% | 1.24% |
| Q2 2026 | 12.06% | 12.06% | 13.31% | 9.58% | 1.33% |
Lowry State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lowry State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lowry State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10202) · FFIEC NIC profile (RSSD 457)