Lowry State Bank
Lowry, MN
IDRSSD: 457
Total Assets
$87.63M
Latest filing
Total Deposits
$71.76M
Latest filing
Net Interest Margin
4.64%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Lowry State Bank
400 Florence Ave
Lowry, MN 56349
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/04/1899FDIC Certificate 6541
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Lowry State Bank (Main) | 400 Florence Ave | Lowry, MN | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/04/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56349 |
| State and County Number | 27121 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 8 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.lowrystate.bank |
| Data Updated | 01/30/2026 |
| CERT | 10202 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $87.63M |
| Total Deposits | $71.76M |
| Total Liabilities | $79.54M |
| Total Equity Capital | $8.10M |
| Net Income | $241.00k |
| Net Loans and Leases | $78.73M |
| Assets Per Employee ($Millions) | $9.74M |
| Bank Premises and Fixed Assets | $758.00k |
| Cash and Balances due from Depository Institutions | $5.86M |
| Deposits Held in Domestic Offices | $71.76M |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 12.01% |
| Net Interest Margin | 4.64% |
| Efficiency Ratio | 69.44% |
| Tier 1 Risk-Based Capital Ratio | 11.596% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.24% |
| Earning Assets to total Assets | 96.02% |
Income and Expense
| Total Interest Income | $1.48M |
| Total Noninterest Income | $32.00k |
| Total Interest Expense | $514.00k |
| Total Noninterest Expense | $693.00k |
| Net Interest Income | $966.00k |
| Pre-tax Net Operating Income | $240.00k |
| Provision for Credit Losses | $65.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $226.00k |
| Other borrowed funds | $7.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $146.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $278.00k |
| Total Liabilities and Capital | $87.63M |
Securities
| Securities | $506.00k |
| Available-for-sale debt securities | $493.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lowry State Bank?
$87.63M as of the latest filing.
How much are Lowry State Bank's total deposits?
$71.76M in total deposits.
Where is Lowry State Bank located?
Lowry, MN.
What is the Net Interest Margin?
4.64%.
How many domestic offices does it operate?
1.
When was it established?
10/04/1899.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$78.73M (latest filing).
What is the total interest income (latest filing)?
$1.48M.