BlastPoint's Banking Scorecard
Lowry State Bank
Micro
Specialty: Commercial
MN
FDIC cert 10202
Designations: ✓ Community bank
Lowry, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Lowry State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.81% above tier
- - Loan-to-Deposit Ratio 35.19% above tier
- - Nonperforming Asset Ratio 2.00% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.6M
+5.9% YoY
+2.2% QoQ
|
-$129.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$78.7M
+3.1% YoY
+1.0% QoQ
|
-$60.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$71.8M
+6.7% YoY
+2.5% QoQ
|
-$111.9M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.44%
+21.0% YoY
-7.4% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.35%
+7.6% YoY
+2.2% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
59.29%
-5.4% YoY
+6.7% QoQ
|
-8.44% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
2.45%
+44.8% YoY
-4.7% QoQ
|
+1.81% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
109.71%
-3.4% YoY
-1.5% QoQ
|
+35.19% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.49%
-2.5% YoY
+7.8% QoQ
|
-5.91% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
2.46%
+46.6% YoY
-5.5% QoQ
|
+2.00% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.60%
+9.0% YoY
+1.6% QoQ
|
+2.74% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.20%
+11.1% YoY
+19.9% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.71%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.46%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
69
69th pctile
Efficiency Ratio
Current: 59.29% · Tier avg: 67.73%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.60% · Tier avg: 8.85%
33
33th pctile
Total Loans
Current: $78.7M · Tier avg: $139.2M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.49% · Tier avg: 22.39%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
19
19th pctile
Total Assets
Current: $87.6M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
10
10th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.71% · Tier avg: 74.53%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.46% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.46% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.71% · Tier avg: 74.53%
10
10th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $87.6M · Tier avg: $217.5M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.49% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.7M · Tier avg: $139.2M
57
57th pctile
Tier 1 Capital Ratio
Current: 11.60% · Tier avg: 8.85%
69
69th pctile
Efficiency Ratio
Current: 59.29% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%