Bank Comparison
Plumas Bank vs Luana Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 8
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| CET1 Ratio | 15.50% | — |
| Tier 1 Capital Ratio | 15.50% | — |
| Total Capital Ratio | 16.71% | — |
| Tier 1 Leverage Ratio | 11.59% | 9.83% |
| Equity / Assets | 12.60% | 9.47% |
Profitability
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 0.97% |
| Return on Equity (ROE) | 14.41% | 10.41% |
| Net Interest Margin (NIM) | 5.07% | 1.88% |
| Yield on Earning Assets | 5.86% | 4.65% |
| Cost of Funds | 0.85% | 3.06% |
Asset quality
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| Texas Ratio | 6.08% | 0.20% |
| Non-Performing Loan Ratio | 1.04% | 0.02% |
| Non-Performing Asset Ratio | 0.72% | 0.02% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 1.28% | 1.01% |
Balance sheet
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| Total Assets | $2,199M | $2,198M |
| Total Deposits | $1,778M | $1,894M |
| Total Loans | $1,505M | $1,801M |
| Total Equity | $277,145K | $208,295K |
| Net Income (quarter) | $9,906K | $5,415K |
Liquidity & funding
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.65% | 95.06% |
| Core Deposit Ratio | 92.37% | 93.39% |
| Uninsured Deposit Ratio | 39.01% | 7.55% |
Identity
| Metric | Plumas Bank | Luana Savings Bank |
|---|---|---|
| Headquarters City | QUINCY | LUANA |
| Headquarters State | CA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 20 | 6 |
| Employees (FTE) | 232 | 98 |
| Established | Dec. 13, 1980, 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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