BlastPoint's Banking Scorecard

Lowry State Bank

under $100M Specialty: Commercial MN FDIC cert 10202

Designations: ✓ Community bank

Lowry, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
Deposits +1.8% year over year ($69.6M on the books).
Delinquency rate 3.23%.
Return on assets 1.28%.
Efficiency ratio 58.43% vs a 119.40% peer average.
Loan-to-deposit ratio 109.63% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN

View under $100M leaderboard (MN) →

Lowry State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.28% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 60.97% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 35.42% above tier average
- Nonperforming Asset Ratio 2.31% above tier average
- Delinquency Rate 1.75% above tier average

Get updates when Lowry State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$84.1M +2.0% YoY -2.9% QoQ	+$21.6M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$76.3M -1.2% YoY -3.0% QoQ	+$41.4M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 3.0% in tier
Total Deposits ?	$69.6M +1.8% YoY -2.1% QoQ	+$17.9M	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.28% -22.2% YoY +4.6% QoQ	+0.28%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	4.34% +4.8% YoY +2.8% QoQ	+0.43%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	58.43% +4.0% YoY +2.8% QoQ	-60.97%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	3.23% +3.0% YoY +15.8% QoQ	+1.75%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 10.8% in tier
Loan-to-Deposit Ratio ?	109.63% -2.9% YoY -1.0% QoQ	+35.42%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	15.16% -7.9% YoY -6.3% QoQ	-8.33%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	3.14% +7.2% YoY +12.6% QoQ	+2.31%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 4.9% in tier
Tier 1 Capital Ratio ?	12.06% +7.4% YoY +1.7% QoQ	-15.07%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.08% -40.0% YoY +92.4% QoQ	-1.30%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	15.2% -1.3pp YoY -1.0pp QoQ	-9.5pp	24.6%	21.9%	22.2%	20%
Brokered Deposits	n/a	n/a	9.8%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	9.7% -1.5pp YoY -0.5pp QoQ	-3.7pp	13.4%	14.6%	12.5%	49%
CRE	24.5% +3.8pp YoY +1.0pp QoQ	-0.7pp	25.2%	36.5%	41.4%	63%
1-4 Family	41.9% -2.0pp YoY +1.4pp QoQ	+6.9pp	35.0%	29.4%	31.3%	64%
Consumer	5.7% -0.9pp YoY 0.0pp QoQ	-2.0pp	7.7%	4.5%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	12.1% +0.8pp YoY +0.2pp QoQ	-26.6pp	38.7%	16.5%	19.7%	7%
Leverage Ratio	9.6% +0.2pp YoY -0.1pp QoQ	-8.1pp	17.7%	11.0%	12.6%	13%
Total Capital Ratio	13.3% +0.8pp YoY +0.2pp QoQ	-26.4pp	39.7%	17.6%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	10 +1 (+11.1%) YoY +1 (+11.1%) QoQ	-2	12	55	482	43%
Assets per Employee ($)	$8.4M -8.2% YoY -12.6% QoQ	+$2.2M	$6.2M	$8.6M	$8.8M	83%
Branch Count	1 0 YoY 0 QoQ	-1	1	4	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% +0.1pp YoY +0.3pp QoQ	-0.5pp	1.0%	0.4%	0.4%	51%
Nonaccrual	2.7% 0.0pp YoY +0.2pp QoQ	+1.0pp	1.7%	1.0%	1.0%	84%
Allowance Coverage	0.47x +12.1% YoY -4.4% QoQ	-5.94x	6.41x	20.41x	20.23x	19%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.2pp QoQ	+0.1pp	0.2%	0.2%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	13.4% -4.8pp YoY +0.4pp QoQ	+7.0pp	6.4%	13.1%	11.6%	78%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+1.0pp	1.4%	1.7%	1.7%	90%
Net Income ($, YTD)	$552,000 -19.8% YoY — QoQ	+$234K	$317,817	$4.5M	$40.4M	79%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $76.26M

Peer Median: $34.89M

#17 of 536 Top 3.0% in under $100M

127

Total Assets

size

Value: $84.06M

Peer Median: $62.44M

#127 of 536 Top 23.5% in under $100M

132

Efficiency Ratio

profitability

Value: 58.43%

Peer Median: 119.40%

#132 of 536 Top 24.4% in under $100M

Top Weaknesses (5 metrics)

513

Loan-to-Deposit Ratio

liquidity

Value: 109.63%

Peer Median: 74.21%

#513 of 536 Bottom 4.5% in under $100M

511

Nonperforming Asset Ratio

credit_quality

Value: 3.14%

Peer Median: 0.84%

#511 of 536 Bottom 4.9% in under $100M

462

Delinquency Rate

credit_quality

Value: 3.23%

Peer Median: 1.48%

#462 of 517 Bottom 10.8% in under $100M

414

Tier 1 Capital Ratio

capital

Value: 12.06%

Peer Median: 27.13%

#414 of 536 Bottom 22.9% in under $100M

409

Non-Interest-Bearing Deposit Share

funding

Value: 15.16%

Peer Median: 23.49%

#409 of 536 Bottom 23.9% in under $100M