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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Luana Savings Bank

Luana, Iowa · $2.34B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

0.11%
NPA / loans
1st of 12
8.5x
Coverage of noncurrent
2nd of 12
335.6%
CRE / capital
11th of 12

Luana Savings Bank is the sixth largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.34B in assets at 30 June 2026. Loans are 94.7% of deposits, 9th of 12 against a median of 87.6%, and equity is 9.1% of assets, 10th of 12. Loans grew +8.5% in the year, 3rd of 12, and deposits grew 11.0%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 0.11% of the book, the lowest in the cohort against a median of 0.41%; 0.03% is 30 to 89 days past due, and the allowance covers them 8.5 times. Commercial real estate is 39.9% of loans, 9th of 12 against a median of 35.2%, and 336% of capital, above the 300% screen, with construction at 49% against the 100% screen.

Return on assets is 0.95%, 10th of 12 against a median of 1.26%, on an efficiency ratio of 47.6%, 3rd of 12. Five years ago it was 0.60%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 4.3% of loans).

Nonperforming loans, share of loansIA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.41% LS Luana Savings Bank 0.11% FC First Citizens Bank 0.16% CS Community State Bank 0.19% AB Availa Bank 0.26% UB United Bank of Iowa 0.26% CB Central Bank 0.32% QC Quad City Bank & Trust Co. 0.51% CR Cedar Rapids Bank & Trust Co. 0.54% CB Cbi Bank & Trust 1.01% FB Fidelity Bank & Trust 1.26% BI Bank Iowa 1.38% LS Lincoln Savings Bank 4.32%
Loans, year over yearIA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.1% FB Fidelity Bank & Trust +38.4% CR Cedar Rapids Bank & Trust Co. +8.6% LS Luana Savings Bank +8.5% BI Bank Iowa +7.1% CS Community State Bank +7.0% CB Cbi Bank & Trust +6.3% AB Availa Bank +5.9% CB Central Bank +5.5% UB United Bank of Iowa +4.9% FC First Citizens Bank -3.0% QC Quad City Bank & Trust Co. -6.7% LS Lincoln Savings Bank -8.9%

SBA 7(a), FY2008 to FY2026

Luana Savings Bank is the 178th largest 7(a) lender into Iowa of 416, with $2M across 11 loans, 0.1% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 1 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, IA$983K26th of 731.1%quiet FY2009
Polk, IA$788K113th of 1770.1%thin
Story, IA$375K33rd of 580.5%thin
Crawford, WI$187K14th of 171.6%thin
Fayette, IA$180K15th of 201.2%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance6$2M68.3%0.00%931st of 2,172
Professional & technical services1$375K14.9%0.00%1373rd of 1,955
Wholesale trade1$180K7.2%0.00%1420th of 1,651
Agriculture, forestry & fishing1$115K4.6%0.00%864th of 1,007
Transportation & warehousing2$78K3.1%0.00%1452nd of 1,563
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Luana Savings Bank
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans LS Luana Savings Bank 0.1% $2M · 11 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Luana Savings Bank among them; owner-occupied excluded; bold marks a screen met
Luana Savings BankRankCohort median
Total CRE against capital, the 300% screen336%11th of 12236%
Construction against capital, the 100% screen49%8th of 1244%
Construction and land development, share of loans5.8%6th of 126.7%
Non-owner-occupied nonfarm nonresidential, share of loans13.2%5th of 1214.5%
Total CRE, the guidance definition, share of loans39.9%9th of 1235.2%
CRE growth over 36 months, the third prong+20.2%5th of 12+27.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Cedar Rapids Bank & Trust Co.$2.90B2.7%40.6%0.54%0.23%1.2%96.9%16.9%
Quad City Bank & Trust Co.$2.77B1.5%53.4%0.51%0.52%1.2%79.2%11.4%
Fidelity Bank & Trust$2.60B1.3%50.8%1.26%0.01%1.1%89.5%10.3%
United Bank of Iowa$2.50B1.3%57.3%0.26%-0.01%1.4%85.6%9.2%
Bank Iowa$2.35B1.3%63.4%1.38%0.07%1.4%91.1%8.6%
Luana Savings Bank$2.34B0.9%47.6%0.11%0.00%1.0%94.7%9.1%
Central Bank$2.29B1.0%70.5%0.32%0.00%1.0%106.7%10.3%
First Citizens Bank$1.80B2.1%46.2%0.16%0.14%1.4%84.3%11.4%
Community State Bank$1.75B1.3%59.7%0.19%-0.01%1.0%102.2%11.6%
Availa Bank$1.73B0.9%61.4%0.26%0.04%1.2%83.8%9.0%
Lincoln Savings Bank$1.71B-1.0%88.3%4.32%0.00%1.5%80.3%9.8%
Cbi Bank & Trust$1.70B1.1%62.6%1.01%0.03%1.3%74.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Luana Savings BankCohort median
20212026Change20212026Change
Loans$1.41B$1.86B+32%$1.10B$1.74B+57%
Deposits$1.71B$1.97B+15%$1.41B$1.92B+36%
NPA / loans0.02%0.11%+0.09 pts0.28%0.41%+0.13 pts
Efficiency76.4%47.6%-28.7 pts59.7%58.5%-1.2 pts
ROA0.60%0.95%+0.35 pts1.31%1.26%-0.04 pts

This read was prepared for Luana Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Luana Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IA banks $1B to $3B
Institution www.luanasavingsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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