Luana Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 6.9% in Q2 2026 to $16.2M, the biggest move on this page. On net interest margin, Luana Savings Bank is 3rd from the bottom among 225 Iowa banks, 1.89% (Q2 2026). Luana Savings Bank reported 1.89% on net interest margin for Q2 2026, 1.82 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | 4.83% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.17% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.89% |
| Yield to cost spread | 1.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.3M |
| Total interest expense | $16.2M |
| Interest expense on deposits | $15.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.90% | 1.94% | 2.11% | 4.11% | 3.01% |
| Q4 2023 | 4.04% | 2.20% | 2.00% | 4.22% | 3.22% |
| Q1 2024 | 4.09% | 2.39% | 1.90% | 4.29% | 3.09% |
| Q2 2024 | 4.13% | 2.52% | 1.85% | 4.36% | 3.01% |
| Q3 2024 | 4.25% | 2.76% | 1.75% | 4.48% | 3.05% |
| Q4 2024 | 4.30% | 2.81% | 1.76% | 4.53% | 3.12% |
| Q1 2025 | 4.26% | 2.79% | 1.73% | 4.48% | 3.13% |
| Q2 2025 | 4.43% | 2.92% | 1.78% | 4.67% | 3.20% |
| Q3 2025 | 4.54% | 3.14% | 1.70% | 4.76% | 3.46% |
| Q4 2025 | 4.62% | 3.14% | 1.77% | 4.80% | 3.71% |
| Q1 2026 | 4.65% | 3.03% | 1.88% | 4.71% | 4.38% |
| Q2 2026 | 4.79% | 3.17% | 1.89% | 4.83% | 4.61% |
Luana Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Luana Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)