| Metric | Lowry State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.0% | -1.0 pts |
| Deposit growth (YoY) | +1.8% | +2.5% | -0.7 pts |
| Loan growth (YoY) | -1.2% | +2.6% | -3.8 pts |
| ROA | 1.28% | 0.99% | +0.3 pts |
| ROE | 13.4% | 8.1% | +5.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.1M | $69.6M | $76.3M | $8.2M | $552K | 1.28% | 4.34% | 3.14% |
| Q1 2026 | $86.6M | $71.0M | $78.6M | $8.3M | $267K | 1.23% | 4.22% | 2.79% |
| Q4 2025 | $87.6M | $71.8M | $78.7M | $8.1M | $1.2M | 1.44% | 4.35% | 2.46% |
| Q3 2025 | $85.8M | $70.0M | $78.0M | $8.0M | $983K | 1.56% | 4.25% | 2.60% |
| Q2 2025 | $82.4M | $68.4M | $77.2M | $7.8M | $688K | 1.65% | 4.14% | 2.93% |
| Q1 2025 | $85.1M | $70.7M | $72.6M | $7.6M | $434K | 2.07% | 4.09% | 1.19% |
| Q4 2024 | $82.8M | $67.2M | $76.4M | $7.2M | $970K | 1.19% | 4.04% | 1.68% |
| Q3 2024 | $83.3M | $67.9M | $75.8M | $7.1M | $820K | 1.35% | 3.97% | 0.79% |
Loan mix (Q2 2026): real estate $55.4M · commercial $7.4M · consumer $4.3M · securities $511K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lowry State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.99% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 70.8% | 25th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lowry State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lowry State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lowry State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lowry State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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