Lowry State Bank
400 Florence Ave, Lowry, MN 56349
Financial Overview
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