Luana Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Luana Savings Bank of Luana, IA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.46% | -0.51% | 26th below |
| ROAE | 10.28% | 12.69% | -2.41% | 34th below |
| Net Interest Margin | 1.89% | 3.85% | -1.96% | 1st bottom |
| Efficiency Ratio | 45.06% | 57.41% | -12.35% | 86th top |
| PPNR / Avg Assets | 0.99% | 1.88% | -0.89% | 15th bottom |
| Yield on Earning Assets | 4.79% | 5.72% | -0.93% | 13th bottom |
| Cost of Funds | 3.17% | 2.02% | +1.15% | 5th bottom |
| Net Interest Spread | 1.47% | 3.18% | -1.71% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 87th top |
| NPA / Total Assets | 0.10% | 0.76% | -0.66% | 86th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 82nd top |
| ACL / Total Loans | 0.98% | 1.31% | -0.33% | 27th below |
| ACL / NPLs (Coverage) | 805.86% | 564.13% | +241.73% | 88th top |
| Texas Ratio | 0.98% | 7.39% | -6.41% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.70% | 11.44% | -1.74% | 28th below |
| Equity / Assets | 9.13% | 11.34% | -2.21% | 24th bottom |
| TCE / Tangible Assets | 9.04% | 10.50% | -1.46% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.70% | 86.95% | +7.75% | 30th below |
| Core Deposit Ratio | 63.02% | 85.57% | -22.55% | 4th bottom |
| Uninsured Deposit Ratio | 10.30% | 33.15% | -22.85% | 96th top |
| Wholesale Funding Ratio | 6.26% | 5.70% | +0.56% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.70% | 9.68% | +1.02% | 78th top |
| Loan Growth (Y/Y) | 8.51% | 8.06% | +0.45% | 67th above |
| Deposit Growth (Y/Y) | 10.95% | 7.87% | +3.08% | 78th top |
See Luana Savings Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Luana Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Luana Savings Bank profile, how to read a UBPR, or how this data updates.