Luana Savings Bank: how it compares with its peers
Against 21 IA banks with half to twice its assets, Luana Savings Bank's strongest measure in Q2 2026 is assets per employee ($23.6M vs. a $8.9M peer median). Its weakest relative measure is net interest margin (1.81% vs. 3.54%).
| Measure | Luana Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.34% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.81% | 3.54% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.65% | 52.80% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $23.6M | $8.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.77% | 89.91% | Context |
What it means for lending operations
Its efficiency ratio of 47.65% is better than the 52.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank Iowa West Des Moines, IA · $2.35B
- Central Bank Storm Lake, IA · $2.29B
- United Bank of Iowa Ida Grove, IA · $2.50B
- Fidelity Bank & Trust Dubuque, IA · $2.60B
- Quad City Bank and Trust Company Bettendorf, IA · $2.77B
- First Citizens Bank Mason City, IA · $1.80B
Questions about Luana Savings Bank
How big is Luana Savings Bank?
Luana Savings Bank, established in 1908, is headquartered in Luana, IA. It reported $2.34B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Luana Savings Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.34% median for 21 IA banks with half to twice its assets, ahead of 14% of them.
What is Luana Savings Bank's efficiency ratio?
47.65% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 52.80%, and lower is better.
Is Luana Savings Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 11.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.