BlastPoint's Banking Scorecard
Lowry State Bank
Designations: ✓ Community bank
Lowry, MN
Lowry State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 31.51% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 46.52% above tier average
- - Nonperforming Asset Ratio 2.00% above tier average
- - Delinquency Rate 1.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.6M
+1.7% YoY
-1.2% QoQ
|
+$24.4M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$78.6M
+8.4% YoY
-0.1% QoQ
|
+$44.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 1.3% in tier |
| Total Deposits ? |
$71.0M
+0.5% YoY
-1.0% QoQ
|
+$19.3M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.23%
-40.7% YoY
-15.1% QoQ
|
+0.39% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.22%
+3.2% YoY
-2.9% QoQ
|
+0.36% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
56.83%
+8.3% YoY
-4.1% QoQ
|
-31.51% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
2.78%
+98.9% YoY
+13.8% QoQ
|
+1.41% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.0% in tier |
| Loan-to-Deposit Ratio ? |
110.73%
+7.8% YoY
+0.9% QoQ
|
+46.52% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.17%
-11.5% YoY
-1.9% QoQ
|
-7.54% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
2.79%
+133.8% YoY
+13.7% QoQ
|
+2.00% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.5% in tier |
| Tier 1 Capital Ratio ? |
11.86%
-1.6% YoY
+2.3% QoQ
|
-14.83% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.04%
-55.5% YoY
-77.9% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
37% |
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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.
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Metric Rankings
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