Lowry State Bank: how it compares with its peers
Against 85 MN banks with half to twice its assets, Lowry State Bank's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $7.2M peer median). Its weakest relative measure is return on assets (1.28% vs. 1.26%).
| Measure | Lowry State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.26% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.06% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.43% | 61.48% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.2M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.63% | 77.94% | Context |
What it means for lending operations
Its efficiency ratio of 58.43% is better than the 61.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers & Merchants State Bank of New York Mills, Incorporated New York Mills, MN · $83M
- Vantage Bank Kent, MN · $85M
- First Security Bank - Canby Canby, MN · $85M
- Bank of Maple Plain Maple Plain, MN · $86M
- Odin State Bank Odin, MN · $82M
- The First National Bank of Gilbert Gilbert, MN · $86M
Questions about Lowry State Bank
How big is Lowry State Bank?
Lowry State Bank, established in 1899, is headquartered in Lowry, MN. It reported $84M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Lowry State Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.26% median for 85 MN banks with half to twice its assets, ahead of 52% of them.
What is Lowry State Bank's efficiency ratio?
58.43% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 61.48%, and lower is better.
Is Lowry State Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.