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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