Total Assets
$88M
Total balance-sheet footings
FDIC Cert #10202 · Lowry, Minnesota · Est. 1899
Lowry State Bank - FDIC Bank Health Profile
A community-scale look at Lowry State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $88M
- Total assets
- B
- Health grade · Good
- 1.44%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Lowry State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.60% Tier 1, profitable at 1.44% ROA, efficient (59% cost ratio).
- #3,835
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 11.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Lowry State Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lowry State Bank's composite health score
Tier 1 Capital Ratio (11.60%) 28/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (21.04%) 10/20
Efficiency Ratio (59.29%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lowry State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lowry State Bank's score of 70/100 falls in the highlighted band.
Lowry State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lowry State Bank's $88M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.60%
Texas Ratio
21.04%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
15.82%
Efficiency Ratio
59.29%
What the numbers say about Lowry State Bank
Lowry State Bank is an FDIC-insured institution (Certificate #10202) headquartered in Lowry, Minnesota, established in 1899. It holds $88M in total assets - 3,835th of 4,313 FDIC-insured banks, $72M in customer deposits, and $79M in net loans. Looking at capital strength, Tier 1 stands at 11.60%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 21.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Lowry State Bank ranks 180th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$174K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lowry State Bank reports a Texas Ratio of 21.04% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
21.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lowry State Bank (FDIC Cert #10202) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Lowry State Bank's health grade?▼
Lowry State Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Lowry State Bank?▼
Lowry State Bank holds $88M in total assets and $72M in deposits, ranking 3,835th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lowry, Minnesota.
Is my money safe at Lowry State Bank?▼
Yes, deposits at Lowry State Bank (Certificate #10202) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lowry State Bank's Tier 1 Capital Ratio?▼
Lowry State Bank has a Tier 1 Capital Ratio of 11.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Lowry State Bank?▼
Lowry State Bank has a Texas Ratio of 21.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lowry State Bank?▼
Lowry State Bank has an Efficiency Ratio of 59.29%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lowry State Bank's profile as a depositor or analyst.
- Lowry State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lowry State Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.