# LOWRY STATE BANK
LOWRY, MN · FDIC certificate 10202 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $84.1M | |
| Deposits | $69.6M | |
| Loans and leases | $77.4M | |
| Total equity | $8.2M | |
| Loans / deposits | 109.63% (p97 of band) | 73.59% |
| Liquid assets / assets | 6.70% (p1 of band) | |
| Uninsured deposits / deposits | 18.43% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.14% (p79 of band) | |
| FHLB advances / assets | 7.14% | |
| Tier 1 leverage | 9.58% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -0.22% (p87 of band) | -6.57% |
| AOCI / equity | 0.07% (p88 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 4.34% (p70 of band) | 3.93% |
| Efficiency ratio | 58.43% (p31 of band) | |
| Noncurrent loans | 3.18% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.28% (p94 of band) | |
| Reserve coverage of noncurrent | 47.40% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 68.23% (p87 of band) | |
| Auto loans | $1.9M (2.51% of loans; DQ 3.85%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 0 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2011-12 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2012-03 | 3 | capital falling, charge-offs p90 | loans exceed deposits |
| 2012-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling, charge-offs p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-06 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2013-09 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 6 | capital falling | assets shrinking |
| 2015-09 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | noncurrent p90, deposits shrinking, uninsured deposits leaving | liquid assets <10% |
| 2016-12 | 2 |  | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2017-03 | 3 | noncurrent p90 |  |
| 2017-06 | 5 | wholesale funding >15%, liquid assets <10% |  |
| 2017-09 | 6 | capital falling |  |
| 2017-12 | 5 |  | capital falling |
| 2018-03 | 4 | charge-offs p90 | wholesale funding >15%, liquid assets <10% |
| 2018-06 | 5 | wholesale funding >15%, liquid assets <10% | noncurrent p90 |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 | uninsured deposits leaving | reserve under noncurrent, wholesale funding >15% |
| 2019-03 | 3 | wholesale funding >15% | charge-offs p90, uninsured deposits leaving |
| 2019-06 | 4 | charge-offs p90 |  |
| 2019-09 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | wholesale funding >15% | liquid assets <10% |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2020-12 | 1 |  | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 | loans exceed deposits | capital falling |
| 2021-12 | 2 | liquid assets <10% |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2024-03 | 3 |  | charge-offs p90, reserve under noncurrent |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | reserve under noncurrent |  |
| 2025-03 | 2 |  | liquid assets <10% |
| 2025-06 | 4 | liquid assets <10%, noncurrent p90 |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | charge-offs p90 | noncurrent p90 |
| 2026-03 | 5 | noncurrent p90 |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-10-10 [Glenwood State Bank - Twin Cities Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1yX1BWOWxVNmF6YWZHRXBoR3pCLUlJT1ZCcnpXSkswTG1wd1NsbTh4cjRhYjRPTzEwRTZqY3A5dWo1U0Fvb1JkU1huUGl6YW1oUnJWcUt5M3k0dw?oc=5) · Twin Cities Business
- 2025-03-17 [R'Dell Marion Molander Obituary Mar 17, 2025 - Anderson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE16ay1ucm02cHk2cWRZVFlpOWR1R1Noc19JVm94dFRXOEl4UHF5RmFUeVlILXBoanc3YVBoME1aS0hpaHc2Z0phbldLV2ZKOWZRQzRVZXkwbVg4emhrbGNzZmNVNEtBcm42?oc=5) · Anderson Funeral Home and Crematory
- 2025-12-29 [‘We are going to see some loss’: Minnesota Ag lenders brace for a volatile 2026 - MPR News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQdk52c2VYR25XazNGSEY3dTRyTGd4YjZaeXdfN2hrN1BWS3NBcXVULXdyNGlpS0N0YWtQN0thWDZQYm1hWDVDRTViMW1BeXBRblhrelJWRGtYQ3JUd0tUcm5adGJmcHYyaDVXVi12NGpUZV9sb0FCekFib0hsNkpicXh2R2RHLW1yWVN6c2tRY1Rrdl9LTmZtYkVwZjA?oc=5) · MPR News
- 2015-11-26 [Edna M. (Van Driel) Mork Obituary Nov 26, 2015 - Hoplin-Hitchcock Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE5vNm1HTk1xdG9ZZ21iSnBvd0FybFBCWTRsTk1PQzQwVG1pX2djN1BSMjZRckxSbzlweXNmWC1KY2lOR3BBMFBBWWpUWGdyb0RCTy1GcTcyRFJMUTQ5d2hDOG5WS1NWRlpYVW9Halk2Zk5iUQ?oc=5) · Hoplin-Hitchcock Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10202 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "10202", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide