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
Unfavorable gap of $17.0M · efficiency ratio beats 84% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.93% | 1.23% | 1.54% | Beats 14% | 221 / 258 | |
| Return on Equity | 8.22% | 9.26% | 11.84% | 14.74% | Beats 19% | 208 / 258 | |
| Net Interest Margin | 1.73% | 3.16% | 3.49% | 3.88% | Beats 0% | 258 / 258 | |
| Efficiency Ratio | 47.65% | 51.71% | 60.30% | 69.65% | Beats 84% | 41 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.19% | 0.46% | 0.90% | Beats 84% | 41 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 9.70% | 11.41% | 12.98% | 15.12% | Beats 4% | 248 / 258 | |
| Total Risk-Based Capital Ratio | 9.70% | 12.10% | 13.91% | 16.08% | Beats 4% | 248 / 258 | |
| Equity / Assets | 9.13% | 9.09% | 10.24% | 11.72% | Beats 26% | 191 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 94.70% | 73.24% | 86.34% | 95.95% | 73rd pctl | 70 / 258 | |
| Loans / Assets | 79.50% | 63.01% | 72.27% | 78.40% | 79th pctl | 55 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |