Luana Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.30 percentage points in Q2 2026, from 304.52% to 311.81%. It was the largest change from Q1 2026 among the key lines here. Luana Savings Bank ranks 50th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.70% (Q2 2026). Luana Savings Bank reported 94.70% on loan-to-deposit ratio for Q2 2026, 6.49 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.86B |
| Net loans and leases | $1.84B |
| Loans held for sale | $7K |
| Loans to total assets | 79.50% |
| Loan-to-deposit ratio | 94.70% |
| Net loans to equity capital | 8.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.49% |
| Multifamily (5+ residential) | 20.84% |
| Commercial and industrial | 1.00% |
| Consumer | 0.73% |
| Credit cards | 0.00% |
| Farm | 18.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 311.81% |
| Construction concentration (Tier 1 capital + allowance) | 45.32% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.83% |
| Interest income on loans | $22.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.59B | $1.77B | 14.99% | 0.73% | 1.09% |
| Q4 2023 | $1.62B | $1.84B | 15.17% | 0.75% | 1.05% |
| Q1 2024 | $1.63B | $1.82B | 15.34% | 0.73% | 1.05% |
| Q2 2024 | $1.63B | $1.75B | 15.57% | 0.78% | 1.08% |
| Q3 2024 | $1.65B | $1.75B | 15.69% | 0.70% | 1.09% |
| Q4 2024 | $1.65B | $1.79B | 15.84% | 0.78% | 1.05% |
| Q1 2025 | $1.67B | $1.82B | 15.65% | 0.89% | 1.04% |
| Q2 2025 | $1.72B | $1.77B | 15.76% | 0.89% | 0.96% |
| Q3 2025 | $1.75B | $1.82B | 16.14% | 0.92% | 0.90% |
| Q4 2025 | $1.79B | $1.85B | 16.13% | 1.03% | 0.83% |
| Q1 2026 | $1.80B | $1.89B | 16.22% | 1.32% | 0.77% |
| Q2 2026 | $1.86B | $1.97B | 17.49% | 1.00% | 0.73% |
Luana Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Luana Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Luana Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 253) · FFIEC NIC profile (RSSD 674849)