BlastPoint's Banking Scorecard
Luana Savings Bank
Designations: ✓ Community bank
Luana, IA
6 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +11.0% year over year ($2.0B on the books).
- Delinquency rate 0.12%.
- Return on assets 0.96%.
- Efficiency ratio 47.65% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.77% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Luana Savings Bank has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16.3% in tier
- + Efficiency Ratio 12.08% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.0% in tier
- - Credit Risk Growth: Bottom 40.5% in tier
- - Liquidity Strain: Bottom 44.3% in tier
- - Capital Thin: Bottom 48.2% in tier
- - Net Interest Margin 2.06% below tier average
- - Non-Interest-Bearing Deposit Share 16.73% below tier average
- - Non-Interest Income / Assets 0.45% below tier average
- - ROA 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+10.7% YoY
+6.5% QoQ
|
-$451.9M |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$1.8B
+8.6% YoY
+3.4% QoQ
|
-$120.1M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$2.0B
+11.0% YoY
+3.7% QoQ
|
-$353.3M |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
0.96%
+18.4% YoY
-2.0% QoQ
|
-0.43% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
1.81%
+5.5% YoY
-0.6% QoQ
|
-2.06% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
47.65%
-8.5% YoY
-0.1% QoQ
|
-12.08% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.12%
+322.0% YoY
+556.5% QoQ
|
-0.75% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 13.8% in tier |
| Loan-to-Deposit Ratio ? |
93.77%
-2.1% YoY
-0.3% QoQ
|
+8.74% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
4.55%
+0.5% YoY
-0.6% QoQ
|
-16.73% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+314.0% YoY
+537.3% QoQ
|
-0.58% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 14.1% in tier |
| Tier 1 Capital Ratio ? |
9.70%
-7.2% YoY
-1.3% QoQ
|
-5.15% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.2% in tier |
| Non-Interest Income / Assets ? |
0.07%
+19.7% YoY
+70.0% QoQ
|
-0.45% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
4.5%
0.0pp YoY 0.0pp QoQ |
-16.8pp | 21.4% | 17.8% | 22.2% | 3% |
| Brokered Deposits |
31.5%
-0.1pp YoY -1.7pp QoQ |
+22.1pp | 9.5% | 6.0% | 8.5% | 95% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.0%
+0.1pp YoY -0.3pp QoQ |
-13.0pp | 14.0% | 12.8% | 12.5% | 3% |
| CRE |
44.6%
+1.0pp YoY +1.2pp QoQ |
-5.4pp | 50.0% | 28.3% | 41.4% | 34% |
| 1-4 Family |
31.8%
+0.6pp YoY -0.5pp QoQ |
+5.4pp | 26.4% | 23.0% | 31.3% | 69% |
| Consumer |
0.7%
-0.2pp YoY 0.0pp QoQ |
-4.0pp | 4.7% | 2.9% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
9.7%
-0.8pp YoY -0.1pp QoQ |
-1.6pp | 11.3% | 12.4% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
99
0 YoY +1 (+1.0%) QoQ |
-215 | 313 | 64 | 482 | 7% |
| Assets per Employee ($) |
$23.6M
+10.7% YoY +5.4% QoQ |
+$13.2M | $10.5M | $8.9M | $8.8M | 96% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 5 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 12% |
| Allowance Coverage |
8.52x
-78.1% YoY -85.3% QoQ |
-10.19x | 18.71x | 18.97x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+1.7pp YoY -0.1pp QoQ |
-2.3pp | 12.6% | 12.8% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.9%
+0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.9% | 1.8% | 1.7% | 94% |
| Net Income ($, YTD) |
$10.8M
+27.0% YoY — QoQ |
-$8.4M | $19.2M | $4.0M | $40.4M | 43% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.