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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