Bank Comparison
Central Bank vs Luana Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| CET1 Ratio | 10.51% | — |
| Tier 1 Capital Ratio | 10.51% | — |
| Total Capital Ratio | 11.46% | — |
| Tier 1 Leverage Ratio | 9.99% | 9.83% |
| Equity / Assets | 10.35% | 9.47% |
Profitability
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.84% | 0.97% |
| Return on Equity (ROE) | 8.11% | 10.41% |
| Net Interest Margin (NIM) | 3.47% | 1.88% |
| Yield on Earning Assets | 5.54% | 4.65% |
| Cost of Funds | 2.23% | 3.06% |
Asset quality
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| Texas Ratio | 4.26% | 0.20% |
| Non-Performing Loan Ratio | 0.19% | 0.02% |
| Non-Performing Asset Ratio | 0.17% | 0.02% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.01% | 1.01% |
Balance sheet
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| Total Assets | $2,249M | $2,198M |
| Total Deposits | $1,887M | $1,894M |
| Total Loans | $1,974M | $1,801M |
| Total Equity | $232,844K | $208,295K |
| Net Income (quarter) | $4,702K | $5,415K |
Liquidity & funding
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 104.63% | 95.06% |
| Core Deposit Ratio | 86.37% | 93.39% |
| Uninsured Deposit Ratio | 25.77% | 7.55% |
Identity
| Metric | Central Bank | Luana Savings Bank |
|---|---|---|
| Headquarters City | STORM LAKE | LUANA |
| Headquarters State | IA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 23 | 6 |
| Employees (FTE) | 311 | 98 |
| Established | Jan. 1, 1879, midnight | Aug. 1, 1908, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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