Lowry State Bank

Chartered Bank Active FDIC Insured
Health Score
9.8 / 10

400 Florence Ave, Lowry, MN 56349

Financial Overview

Total Assets $86.6M
Total Deposits $71.0M
Profitability (ROA) 1.23%
Shareholder Return (ROE) 13.01%
Capital Cushion (Eq/Assets) 9.61%
Established 10/04/1899

Financial Health Analysis

Lowry State Bank is a currently active commercial lending specialization banking institution headquartered in Lowry, Minnesota. Established in 10/04/1899, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Lowry State Bank manages $86.6M in total assets and holds $71.0M in customer deposits. When evaluating the stability of Lowry State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.61%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.23%, while its Return on Equity (ROE) sits at 13.01%. These robust metrics contribute to an overall health score of 9.8 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$71.0M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.lowrystate.bank

FDIC Certificate #: 10202

Specialization: Commercial Lending Specialization

Location

400 Florence Ave

Lowry, Minnesota 56349

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