Lowry State Bank is a state-chartered bank headquartered in Lowry, Minnesota, in business for about 127 years. At the end of Q2 2026 it reported $84.1M in total assets and $69.6M in deposits, with 1 office.
Lowry State Bank has a TellerScore of 39 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 216th. Earnings contributes the most (71/100, 1.28%); loan quality contributes the least (0/100, 3.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (42 → 39), mostly because the earnings component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 49 |
| Q1 2025 | 61 |
| Q2 2025 | 42 |
| Q3 2025 | 45 |
| Q4 2025 | 46 |
| Q1 2026 | 42 |
| Q2 2026 | 39 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.46% |
| Q3 2024 | 8.52% |
| Q4 2024 | 8.65% |
| Q1 2025 | 9.07% |
| Q2 2025 | 9.36% |
| Q3 2025 | 9.44% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.70% |
| Q2 2026 | 9.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.73% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.38% |
| Q2 2025 | 3.09% |
| Q3 2025 | 2.53% |
| Q4 2025 | 2.41% |
| Q1 2026 | 2.75% |
| Q2 2026 | 3.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.35% |
| Q4 2024 | 1.19% |
| Q1 2025 | 2.07% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $84.1M | 9.58% | 3.18% | 1.28% | 109.6% |
| Q1 2026 | 42 | $86.6M | 9.70% | 2.75% | 1.23% | 110.7% |
| Q4 2025 | 46 | $87.6M | 9.30% | 2.41% | 1.44% | 109.7% |
| Q3 2025 | 45 | $85.8M | 9.44% | 2.53% | 1.56% | 111.3% |
| Q2 2025 | 42 | $82.4M | 9.36% | 3.09% | 1.65% | 112.9% |
| Q1 2025 | 61 | $85.1M | 9.07% | 1.38% | 2.07% | 102.7% |
| Q4 2024 | 49 | $82.8M | 8.65% | 1.67% | 1.19% | 113.6% |
| Q3 2024 | 60 | $83.3M | 8.52% | 0.73% | 1.35% | 111.8% |
| Q2 2024 | 58 | $82.0M | 8.46% | 0.82% | 1.17% | 118.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants State Bank of New York Mills, IncorporatedBank New York Mills, MN | 64 out of 100, Moderate | $83.5M | 13.3% | 2.28% | vs |
| Vantage BankBank Kent, MN | 68 out of 100, Moderate | $85.0M | 8.5% | 0.35% | vs |
| First Security Bank - CanbyBank Canby, MN | 97 out of 100, Very strong | $85.2M | 14.1% | 0.08% | vs |
| Bank of Maple PlainBank Maple Plain, MN | 72 out of 100, Strong | $85.5M | 14.1% | 1.80% | vs |
| Odin State BankBank Odin, MN | 39 out of 100, Low | $82.4M | 8.5% | 2.17% | vs |
| The First National Bank of GilbertBank Gilbert, MN | 59 out of 100, Moderate | $86.0M | 7.1% | 0.16% | vs |
Deposit insurance
Is my money safe at Lowry State Bank?
Yes. Lowry State Bank is an FDIC-insured institution (FDIC certificate #10202). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($12.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.31% (benchmark: 10%).
1 location
Branches
Lowry State Bank lists 1 office in 1 city. Most locations:
- Lowry, MN (1)
Identity & history
Profile
- Legal name
- Lowry State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10202
- RSSD ID
- 457
- Primary regulator
- FDIC
- Holding company
- Financial Services Lowry Inc
- Established
- October 4, 1899
- Headquarters
- 400 Florence Ave, Lowry, MN 56349
- Website
- www.lowrystate.bank
- Employees
- 10
Quick answers
Lowry State Bank: common questions
Is Lowry State Bank FDIC insured?
Yes. Lowry State Bank is an FDIC-insured institution (FDIC certificate #10202). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lowry State Bank's TellerScore?
39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lowry State Bank ever failed?
There is no failure record for FDIC certificate #10202 in the FDIC failed bank list.
How many branches does Lowry State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lowry
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| Kensington BankBank Kensington, MN | 69 out of 100, Moderate | $446.7M | 9.9% | 0.58% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| Vantage BankBank Kent, MN | 68 out of 100, Moderate | $85.0M | 8.5% | 0.35% | vs |