Luana, IA · Cert 253 · Luana Bcorp
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 1.1% share · #12 of 57 inst. · $0.4B of $38.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.66% | 0.56% | 0.80% | 0.77% | +9 bps | |
| Return on Equity | 7.23% | 6.87% | 5.89% | 8.45% | 8.34% | +110 bps | |
| Net Interest Margin | 1.68% | 1.59% | 1.64% | 1.74% | 1.75% | +8 bps | |
| Efficiency Ratio | 51.88% | 52.07% | 51.02% | 47.67% | 47.62% | -426 bps | |
| Non-Interest Burden | 0.81% | 0.75% | 0.73% | 0.74% | 0.76% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.26% | 5.31% | 5.83% | 5.17% | 10.70% | +644 bps | |
| Loan Growth (YoY) | 5.20% | 6.39% | 8.64% | 8.11% | 8.51% | +332 bps | |
| Deposit Growth (YoY) | 1.06% | 4.15% | 3.61% | 4.37% | 10.95% | +989 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.03% | 0.02% | 0.11% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.01% | 1.01% | 0.98% | -8 bps | |
| Allowance Coverage of NPLs | 39.0x | 32.1x | 29.4x | 57.8x | 8.5x | -30.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.45% | 10.28% | 9.72% | 9.83% | 9.70% | -75 bps | |
| Total Risk-Based Capital | 10.45% | 10.28% | 9.72% | 9.83% | 9.70% | -75 bps | |
| Equity / Assets | 9.46% | 9.63% | 9.41% | 9.47% | 9.13% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.82% | 96.22% | 96.98% | 95.06% | 94.70% | -213 bps | |
| Liquid Assets / Assets | 0.84% | 0.82% | 1.31% | 1.35% | 2.26% | +141 bps | |
| CRE / Total Capital | n/a | 338% | 361% | 352% | n/a | n/a | |