Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #253 · Luana, Iowa · Est. 1908
Luana Savings Bank - FDIC Bank Health Profile
A community-scale look at Luana Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.2B
- Total assets
- C
- Health grade · Fair
- 0.78%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Luana Savings Bank earns a PlainBankData health grade of C (64/100), with 9.72% Tier 1 capital, 0.78% ROA, efficient (52% cost ratio).
- #549
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 9.72%
- Tier 1 ratio - below the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Luana Savings Bank's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Luana Savings Bank's composite health score
Tier 1 Capital Ratio (9.72%) 18/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (0.27%) 20/20
Efficiency Ratio (51.80%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Luana Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Luana Savings Bank's score of 64/100 falls in the highlighted band.
Luana Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Luana Savings Bank's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.72% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.72%
Texas Ratio
0.27%
Equity Capital
$208M
Profitability metrics
Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
8.23%
Efficiency Ratio
51.80%
What the numbers say about Luana Savings Bank
Luana Savings Bank is an FDIC-insured institution (Certificate #253) headquartered in Luana, Iowa, established in 1908. It holds $2.2B in total assets - 549th of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.8B in net loans. Its capital position: a Tier 1 ratio of 9.72%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.27% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Luana Savings Bank sits 13th of 230 banks headquartered in Iowa by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$92M
Interest Income
$3M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Luana Savings Bank reports a Texas Ratio of 0.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Luana Savings Bank (FDIC Cert #253) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Luana Savings Bank's health grade?▼
Luana Savings Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Luana Savings Bank?▼
Luana Savings Bank holds $2.2B in total assets and $1.8B in deposits, ranking 549th of 4,313 FDIC-insured banks by asset size. It is headquartered in Luana, Iowa.
Is my money safe at Luana Savings Bank?▼
Yes, deposits at Luana Savings Bank (Certificate #253) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Luana Savings Bank's Tier 1 Capital Ratio?▼
Luana Savings Bank has a Tier 1 Capital Ratio of 9.72%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Luana Savings Bank?▼
Luana Savings Bank has a Texas Ratio of 0.27%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Luana Savings Bank?▼
Luana Savings Bank has an Efficiency Ratio of 51.80%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Luana Savings Bank's profile as a depositor or analyst.
- Luana Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Luana Savings Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.