Luana Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Luana Savings Bank is an FDIC-insured commercial bank headquartered in Luana, IA, established in 1908 (FDIC certificate 253), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.34B, up 10.7% from Q2 2025, the 11th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 253
- Headquarters
- Luana, IA
- Established
- 1908
- Total assets, Q2 2026
- $2.34B
- Assets vs Q2 2025
- +10.7%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 073914356
- Latest call report
- Q2 2026, FFIEC 051 · Luana Savings Bank call report
- Holding company
- LUANA BANCORPORATION
- Asset rank in state
- 11th of 225 in Iowa
Luana Savings Bank, based in Luana, Iowa, reported $2.3 billion in assets at June 30, 2026, up 10.7% from a year earlier. It keeps 1.89 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 3.17% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Net income for the quarter rose 25% from a year earlier, to $5.4 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.5 million equal 4% of Tier 1 capital, down from 10% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Luana Savings Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.93%. The figures come from its call report filed with the FFIEC.
Luana Savings Bank ranks as the 11th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.5% to $2.34B, loans rose 3.3% and deposits rose 3.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.5% of total loans, ahead of multifamily loans at 20.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IA; its Luana office books 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, Luana Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Harvest Dr, Luana, IA 52156
- County
- Clayton
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- August 1, 1908
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $1.97B
- Allowance for credit losses
- $18.2M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $2.28B
- Average total loans
- $1.85B
- Average interest-bearing deposits
- $1.83B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 253
- Fed RSSD
- 674849
- Parent Holding Company
- LUANA BANCORPORATION (RSSD 1209211)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Luana Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Luana Savings Bank's total assets moved between a low of $2.02B (Q3 2023) and a high of $2.34B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.34B total assets against $2.12B; $2.13B total liabilities against $1.91B.
$1.84B net loans and leases against $1.70B; $1.97B total deposits against $1.77B.
$340.3M securities against $328.2M; $95.0M cash and balances due against $30.1M.
$26.2M total interest income against $22.5M; $16.2M total interest expense against $13.7M.
$9.9M net interest income against $8.8M.
$783K total noninterest income against $693K; $5.1M total noninterest expense against $4.9M.
$0 provision for credit losses against $0.
$5.4M net income against $4.3M.
0.95% return on assets against 0.82%; 1.89% net interest margin against 1.78%.
9.70% tier 1 leverage ratio against 10.45%.
Inside the full Luana Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Luana Savings Bank rankings
Its closest position to the top of a national ranking is 427 of 3,606, for efficiency ratio; its furthest is 934 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q4 2025) to 1.01% (Q3 2024) and its net interest margin ran from 1.70% (Q3 2025) to 1.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 0.95% | 0.11% | 0.93% | 1.89% |
| Q1 2026 | 9.83% | 0.97% | 0.02% | 0.14% | 1.88% |
| Q4 2025 | 9.72% | 0.70% | 0.03% | 0.28% | 1.77% |
| Q3 2025 | 10.28% | 0.79% | 0.03% | 0.25% | 1.70% |
| Q2 2025 | 10.45% | 0.82% | 0.03% | 0.22% | 1.78% |
| Q1 2025 | 10.37% | 0.79% | 0.01% | 0.07% | 1.73% |
| Q4 2024 | 10.37% | 0.91% | 0.00% | 0.02% | 1.76% |
| Q3 2024 | 10.38% | 1.01% | 0.00% | 0.02% | 1.75% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Luana Savings Bank (main office) | Luana , IA | 52156 | $1.24B |
| Polk City Branch | Polk City , IA | 50226 | $185.4M |
| New Hampton Branch | New Hampton , IA | 50659 | $158.1M |
| Clive Branch | Clive , IA | 50325 | $148.0M |
| Ossian Branch | Ossian , IA | 52161 | $135.0M |
| Norwalk Branch | Norwalk , IA | 50211 | $101.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2008 | Structure Change | Acquired First State Bank Iowa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.5% of deposits in IA, rank 15 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 722 applications, 648 loans originated, $216.9M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $555K approved, $278K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Luana Savings Bank
What are Luana Savings Bank's total assets?
As of the Q2 2026 filing, Luana Savings Bank reported total assets of $2.34 billion in its FFIEC call report.
Where is Luana Savings Bank headquartered?
It is headquartered in Luana, IA, United States.
When was Luana Savings Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Luana Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #253). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Luana Savings Bank?
Luana Savings Bank's primary federal regulator is the FDIC.
How many branches does Luana Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Luana Savings Bank's Texas Ratio?
Its Texas Ratio is 0.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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