BlastPoint's Banking Scorecard
Luana Savings Bank
Community
Specialty: Commercial
IA
FDIC cert 253
Luana, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Luana Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Margin Compression: Bottom 17% in Community
- - Credit Risk Growth: Bottom 36% in Community
- - Net Interest Margin 1.97% below tier
- - Non-Interest-Bearing Deposit Share 15.94% below tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.8% YoY
+1.6% QoQ
|
+$818.0M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.8B
+8.7% YoY
+2.5% QoQ
|
+$800.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.8B
+3.6% YoY
+1.7% QoQ
|
+$685.2M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.78%
-16.4% YoY
-3.1% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
1.70%
-4.0% YoY
+0.4% QoQ
|
-1.97% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
51.80%
+6.2% YoY
-0.6% QoQ
|
-10.83% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.03%
+6.7% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
96.00%
+4.9% YoY
+0.8% QoQ
|
+12.94% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
5.10%
+17.2% YoY
+14.7% QoQ
|
-15.94% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+7.6% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-28.0% YoY
+55.1% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#107 of 371 · Top 29% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (6)
Credit Quality Pressure
risk
#40 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#21 of 120 · Bottom 17% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.78%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#229 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.70%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.10%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Efficiency Ratio
Current: 51.80% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.00% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.10% · Tier avg: 21.05%
1
1th pctile
Net Interest Margin
Current: 1.70% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.70% · Tier avg: 3.66%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.10% · Tier avg: 21.05%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.00% · Tier avg: 83.06%
81
81th pctile
Efficiency Ratio
Current: 51.80% · Tier avg: 62.63%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%