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Luana Savings Bank

Luana, IA · Cert 253 · Luana Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Luana Savings Bank

Luana, IA · Cert 253 · Luana Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.3BAssets
$1.9BLoans
$2.0BDeposits
$213.7MEquity
Loan mix
98%RE $1.7B1%C&I $0.0B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $1.9B5%Noninterest $0.1BQ3 2024Q2 2026

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.1% share · #12 of 57 inst. · $0.4B of $38.0B

64.3% Clayton
0.6% Polk
20.9% Chickasaw
5.8% Dallas

Executive Summary

  • Earnings: ROA of 0.78%, up 11 bps year over year; NIM at 1.73%.
  • Asset quality: problem loans at 0.11% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, down 75 bps from a year ago.
  • Funding: loans stand at 94.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+11 bps YoY

Net Interest Margin (YTD, annualized)

1.73%+7 bps YoY

Efficiency Ratio (YTD, annualized)

47.65%-445 bps YoY

Tier 1 Leverage Ratio

9.70%-75 bps YoY

NIM

3.94%Q2 ’244.20%Q2 ’254.48%Q2 ’26-6%+4%

Non-interest income vs. expense

0.92%Q2 ’240.93%Q2 ’250.90%Q2 ’26+6%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.77%0.66%0.67%0.67%0.64%0.80%0.78%+11 bps
Return on Equity8.68%8.47%7.05%7.14%7.02%6.77%8.45%8.37%+123 bps
Net Interest Margin1.73%1.69%1.63%1.66%1.61%1.58%1.74%1.73%+7 bps
Efficiency Ratio47.79%48.78%52.31%52.09%52.09%51.80%47.67%47.65%-445 bps
Non-Interest Burden0.72%0.72%0.79%0.80%0.77%0.75%0.74%0.74%-6 bps
Growth
Asset Growth (YoY)2.31%0.36%1.06%4.26%5.31%5.83%5.17%10.70%+644 bps
Loan Growth (YoY)3.30%2.08%2.33%5.20%6.39%8.64%8.11%8.51%+332 bps
Deposit Growth (YoY)-1.55%-2.75%-0.14%1.06%4.15%3.61%4.37%10.95%+989 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.03%0.03%0.03%0.02%0.11%+9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.10%1.09%1.06%1.04%1.01%1.01%0.98%-8 bps
Allowance Coverage of NPLs533.1x533.2x115.5x39.0x32.1x29.4x57.8x8.5x-30.5x
Capital
Tier 1 Leverage Ratio10.38%10.37%10.37%10.45%10.28%9.72%9.83%9.70%-75 bps
Total Risk-Based Capital10.38%10.37%10.37%10.45%10.28%9.72%9.83%9.70%-75 bps
Equity / Assets9.62%9.39%9.48%9.46%9.63%9.41%9.47%9.13%-34 bps
Liquidity & Funding
Loans / Deposits94.19%92.50%91.77%96.82%96.22%96.98%95.06%94.70%-213 bps
Liquid Assets / Assets1.57%2.48%2.81%0.84%0.82%1.31%1.35%2.26%+141 bps
CRE / Total Capitaln/an/an/an/a338%361%352%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Luana Savings Bank

Luana, IA · Cert 253 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Luana Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.3BAssets
$1.9BLoans
$2.0BDeposits
$213.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.75%

Rank 221 of 258

Net Interest Margin

1.73%

Rank 258 of 258

Efficiency Ratio

47.65%

Rank 41 of 257

Equity / Assets

9.13%

Rank 191 of 258

Non-interest income vs. expense

$3.5M$20.5MINCOMEEXPENSE
Unfavorable gap of $17.0M · efficiency ratio beats 84% of banks $1B-$10B in assets operating in a single state
Bank 47.65%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.93%1.23%1.54%Beats 14%221 / 258
Return on Equity8.22%9.26%11.84%14.74%Beats 19%208 / 258
Net Interest Margin1.73%3.16%3.49%3.88%Beats 0%258 / 258
Efficiency Ratio47.65%51.71%60.30%69.65%Beats 84%41 / 257
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.46%0.90%Beats 84%41 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio9.70%11.41%12.98%15.12%Beats 4%248 / 258
Total Risk-Based Capital Ratio9.70%12.10%13.91%16.08%Beats 4%248 / 258
Equity / Assets9.13%9.09%10.24%11.72%Beats 26%191 / 258
Liquidity & Funding
Loans / Deposits94.70%73.24%86.34%95.95%73rd pctl70 / 258
Loans / Assets79.50%63.01%72.27%78.40%79th pctl55 / 258
Brokered Deposits / Depositsn/aNot reported for this institution