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Lowry State Bank
Lowry, MN · FDIC Certificate #10202 · Chartered 10/0
Total assets
$84.06M
Total deposits
$69.56M
Total equity
$8.23M
Net loans
$76.26M
Branches (offices)
1
Net income (YTD)
$552.00K
Rank: #3,803 of 4,213 U.S. banks by assets · #184 of 221 in Minnesota. Assets changed 2.0% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 13.44% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 9.79% |
| Tier 1 leverage ratio | 9.58% |
| Uninsured deposits (share of deposits) | 18.4% |
| Noncurrent loans (share of loans) | 3.18% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 109.6% |
| Real estate loans (share of loans) | 72.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.45M | 72.7% | |
| Commercial & industrial | $7.39M | 9.7% | |
| Consumer / individual | $4.33M | 5.7% | |
| Construction & development | $5.62M | 7.4% | |
| Agricultural | $8.39M | 11.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $65.91M | $52.79M | $739.00K | $5.50M |
| Jun 2023 | $74.24M | $59.11M | $570.00K | $6.21M |
| Jun 2024 | $82.00M | $64.56M | $467.00K | $6.68M |
| Jun 2025 | $82.44M | $68.36M | $688.00K | $7.79M |
| Jun 2026 | $84.06M | $69.56M | $552.00K | $8.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $69.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.56M.
Similar-sized banks
Mayville Savings Bank ($84.18M) · The Covington Savings And Loan Association ($84.03M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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