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Luana Savings Bank

$1B-$10B Specialty: Commercial IA FDIC cert 253

Designations: ✓ Community bank

Luana, IA

6 branches across IA

884 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

Luana Savings Bank has 3 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.66% below tier average
  • + Efficiency Ratio 13.39% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.2% in tier
  • - Capital Thin: Bottom 19.0% in tier
  • - Credit Risk Growth: Bottom 33.1% in tier
  • - Liquidity Strain: Bottom 42.8% in tier
  • - Net Interest Margin 2.00% below tier average
  • - Non-Interest-Bearing Deposit Share 16.72% below tier average
  • - Non-Interest Income / Assets 0.21% below tier average
  • - ROA 0.38% below tier average
Get updates when Luana Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $2.2B
+5.2% YoY -0.5% QoQ
-$617.2M $2.8B
-0.1% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
55%
Total Loans ? $1.8B
+8.2% YoY +0.4% QoQ
-$181.9M $2.0B
+0.6% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
62%
Total Deposits ? $1.9B
+4.4% YoY +2.4% QoQ
-$448.6M $2.3B
-0.3% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
57%
Return on Assets ? 0.98%
+22.0% YoY +26.0% QoQ
-0.38% 1.37%
+19.6% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
31%
Net Interest Margin ? 1.82%
+7.1% YoY +7.3% QoQ
-2.00% 3.82%
+6.9% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
Bottom 1.5% in tier
Efficiency Ratio ? 47.67%
-8.9% YoY -8.0% QoQ
-13.39% 61.06%
-4.6% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
84%
Delinquency Rate ? 0.02%
+84.9% YoY -49.4% QoQ
-0.87% 0.89%
+14.1% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
Top 3.9% in tier
Loan-to-Deposit Ratio ? 94.10%
+3.7% YoY -2.0% QoQ
+9.89% 84.20%
+0.3% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 4.57%
+7.8% YoY -10.4% QoQ
-16.72% 21.29%
-2.5% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Bottom 4.2% in tier
Nonperforming Asset Ratio ? 0.01%
+90.2% YoY -48.9% QoQ
-0.66% 0.67%
+15.6% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
Top 4.3% in tier
Tier 1 Capital Ratio ? 9.83%
-5.3% YoY +1.1% QoQ
-5.33% 15.16%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 3.5% in tier
Non-Interest Income / Assets ? 0.04%
+46.5% YoY -70.9% QoQ
-0.21% 0.26%
+1.6% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Bottom 8.1% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Quality Pressure

risk
#2 of 513 • Bottom 0.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk
#43 of 221 • Bottom 19.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.83%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#140 of 420 • Bottom 33.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#144 of 334 • Bottom 42.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.10%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

35
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.89%
#35 of 880 Top 3.9% in $1B-$10B
39
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#39 of 884 Top 4.3% in $1B-$10B
140
Efficiency Ratio
profitability
Value: 47.67%
Peer Median: 61.06%
#140 of 884 Top 15.7% in $1B-$10B

Top Weaknesses (4 metrics)

872
Net Interest Margin
profitability
Value: 1.82%
Peer Median: 3.82%
#872 of 884 Bottom 1.5% in $1B-$10B
854
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.16%
#854 of 884 Bottom 3.5% in $1B-$10B
848
Non-Interest-Bearing Deposit Share
funding
Value: 4.57%
Peer Median: 21.29%
#848 of 884 Bottom 4.2% in $1B-$10B
813
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.26%
#813 of 884 Bottom 8.1% in $1B-$10B
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