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Luana Savings Bank

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Luana, IA $1B to $10B in assets Est. August 1, 1908 FDIC #253 RSSD #674849 Routing #073914356 FDIC

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
Assets
$2.34B
Deposits
$1.97B
Loans
$1.86B
Equity
$213.7M

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

Profitability

Q2 annualized
Return on Assets0.95%YTD 0.96%
Return on Equity10.28%YTD 10.32%
Net Interest Margin1.89%YTD 1.89%

Balance Sheet

Total liabilities$2.13B
Cash & balances due$95.0M
Securities, available-for-sale$340.3M
Securities, held-to-maturity$0
Goodwill & intangibles$2.1M

Income Statement

Net income Q2$5.4M
Net interest income YTD$19.7M
Total interest income YTD$51.1M
Total interest expense YTD$31.4M
Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$1.7M
Total noninterest expense YTD$10.2M

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

Total assets and total liabilities

$2.34B total assets against $2.12B; $2.13B total liabilities against $1.91B.

Loans and leases against deposits

$1.84B net loans and leases against $1.70B; $1.97B total deposits against $1.77B.

Securities and cash

$340.3M securities against $328.2M; $95.0M cash and balances due against $30.1M.

Interest income against interest expense

$26.2M total interest income against $22.5M; $16.2M total interest expense against $13.7M.

Net interest income

$9.9M net interest income against $8.8M.

Noninterest income against noninterest expense

$783K total noninterest income against $693K; $5.1M total noninterest expense against $4.9M.

Provision for credit losses

$0 provision for credit losses against $0.

Net income

$5.4M net income against $4.3M.

Return on assets and net interest margin

0.95% return on assets against 0.82%; 1.89% net interest margin against 1.78%.

CET1 and Tier 1 leverage ratios

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

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Watch 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.

CRE concentration at 312% of capital, above interagency guidance Regulatory What does this mean? →

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).

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.

1–6 of 6
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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Luana Savings Bank: regulatory capital profile · BankRegReports

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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