# LUANA SAVINGS BANK
LUANA, IA · FDIC certificate 253 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.34B | |
| Deposits | $1.97B | |
| Loans and leases | $1.86B | |
| Total equity | $213.7M | |
| Loans / deposits | 93.77% (p71 of band) | 87.10% |
| Liquid assets / assets | 18.59% (p40 of band) | |
| Uninsured deposits / deposits | 10.30% (p5 of band) | 30.76% |
| Brokered deposits | 26.45% | |
| Wholesale funding | 32.71% (p97 of band) | |
| FHLB advances / assets | 6.26% | |
| Tier 1 leverage | 9.70% (p29 of band) | 10.50% |
| Unrealized securities loss / equity | -4.46% (p67 of band) | -7.75% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 0.96% (p28 of band) | 1.26% |
| Net interest margin | 1.81% (p2 of band) | 3.70% |
| Efficiency ratio | 47.65% (p18 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 852.37% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 50.75% (p54 of band) | |
| Auto loans | $7.0M (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.6M (5% of equity) (p83 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 | uninsured deposits leaving | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 5 | loans exceed deposits, capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | uninsured deposits leaving |
| 2016-06 | 3 |  | loans exceed deposits |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | NIM <2.5% | capital falling |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | capital falling |  |
| 2021-06 | 4 | expense ratio p90 | loans exceed deposits, capital falling |
| 2021-09 | 4 | uninsured deposits leaving | expense ratio p90 |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | NIM <2.5% |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | capital falling, AOCI drag >20% of equity | uninsured deposits leaving |
| 2022-12 | 4 | uninsured deposits leaving | capital falling |
| 2023-03 | 3 | NIM <2.5% | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling | uninsured deposits leaving |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-09-01 [Federal regulators issue cease-and-desist order to Iowa bank - KCCI](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdzlqMmd2VFpQVGlrQmhnUk5TUElaZUJ5UlE1TEVkT0lGZGx4OFpNUllxWlRDWTg0VjB6RXZveThreGI5Q2hiMzFVUURaOVBuQzE1UlRFVy1BVFBZaTJ3V2hnam8tN1d6VjNhSWpsX01ET20zX1dFWENIUlNqaldfNzBUQVdMNlRyVmdWcFRfdWgwRzg?oc=5) · KCCI
- 2022-04-25 [Under fire over loan practices, Luana Savings Bank set for hearing with regulators at Drake Law School - The Des Moines Register](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOUDlqU1hGZlJCU0c1aTIwR3RLQU9GR0FuemtZUzBfcGc2R2ZfLTI0T1EyTnh4dFIwcm9MTDRDeEtaek5HSkI0NnJHbFpGazNpbnVFLUhneU00aEF4RVJ3VmhadURFMTYybFU3cEFSNDlydG1oN3Y4bzBzZTVFLVVVYVlIUTVlWnZPVDJNS05USUljeFN2WTNBcDhZSTVKY0tITjRRR2lJNnEzVUw1OExtaTRNaDM3eWlrdHNScjRhNTZxMlNjY3YwVXZzajdYb1dFWEIxQ20yQVBjdFpRVUE?oc=5) · The Des Moines Register
- 2021-09-01 [Federal regulators issue cease-and-desist order to Iowa bank - kcrg.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSmRTN0c1bDltRFZCZGhZTzhHWXlMTlhjZnlKTFZpQmktcWduMDIxM3NVMEI1U0wzX3BTUFB2akUxSkMtdGc4ckhIQWN0cTNjNEtMWldCS0JjRTFRa2VRYTRGTE13QlJYeEZwMDZHclVUcC1ycm9hTXZ2N0JIWkJOMWZKdlFybE1DWXNETnJVLVVQNHQ00gGoAUFVX3lxTE9XT1NLYm9xOVR0ekdKOTRxTVEzcnhLM3ZvV21lMmlyQW1ERlM3MXhlNlJsVG5GWGhpQW1zSU9fSUthUXEwMkNha0pyWnhsenV1QkU4c0xJOTdzLWpFbWFUb0VManUyODNhM1Vidi01aHdtQk9zMTMzZFpIdTRacGtIV244VVhIQnMzRl9tYnhXUmdqSTFlU3k1UGxGa2NRWHkydUdNWEthRQ?oc=5) · kcrg.com
- 2021-09-01 [Warning of excessive risk, FDIC orders Iowa's Luana Savings Bank to drop practices that have fueled rapid growth - The Des Moines Register](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQNGVUU1FmREJYQ2NXdURiTERKb3J2RnA1TnBUTzdBb0Zad2NMdWdFNWFrWmp5WnhZWm1fM0pxVmljd2JLNVNudk5FMEtSQ3ZpbXkzUXF1Q2pYTDhyOGtOZkJWbzFPVWZ6d1R0TTlmREhKdldTVkNpRWxWUTlfaklFdlcyMFlPTkFFUG9pVXNTMkxwOVZ4NUZmRy1BbW5sZ3Z1VlVpeUxiMVg2VnVzR2RRZDlQU2k5MTFQcGJVMHRfUFZ1Z0RQVk9aZURBWXF1UE41bU83Tw?oc=5) · The Des Moines Register
- 2026-09-03 [Best jumbo CD rates for September 2026: Up to 4.35% APY - CNBC](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5RV3FBVWt0X2tKSFNGamZnbWNjS09GcFRseURxUVZWSEFSenkxWktkZzRHTGpuMGRQcGI4WEh1VXRLb3lqcy1ZNmZ4Sy12TUU3SzNQbWxxdzF3VTd60gFiQVVfeXFMT1g5LWU3X3VfeXdnY1ZvYTV1eHRTOHN3dXZzd1BPVlNmUjJIT3IxVXo2bXkyVW5sQUFyTC0zVWNtSFRpbTRZZ1FNbkcxcWZuTW1XZDh2SXBjcTVJWkJFQjQtVWc?oc=5) · CNBC
- 2020-02-21 [Robert Schultz, Luana, Iowa, February, 21, 2020 - Grau Funeral Homes](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcko0TWdPRUZ2VEZReHlYamxqTFNpemoxMENLa0o1Qm5tLTJucWw0ZEZqZlFXOGRZcVJ6ZEFnZUEzQ1AzVkJveHktV3NzMWQ2MnpnV2FUUk4tRGtyMEtKODhDam9vR3p6ajU5RWVfUDl0eGxUSXA3LWVlU0ViWE1FSHU4czdoVVE?oc=5) · Grau Funeral Homes
- 2020-02-29 [Best Jumbo CD Rates Our Experts Found Today, Sept. 9, 2026: Up to 4.35% - Investopedia](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1lekhnazJkRHdEa2lMUnVSeDFyNV9sSU40Z0gxOG1GR01paDFqUmRXdk10TnVKQ3NQN2Z5X1RWWDZLbXVRZUtZYk5neUsycnZVaWp4cXMxTHdvM3hhUGEtNTB0cnFjM2M?oc=5) · Investopedia
- 2026-04-13 [Kelly Jo Moose Obituary (2026) - Luana, IA - Leonard-Grau Funeral Home & Cremation Services - Monona - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTFBCVy0tb0FIN3U0SkMwcWp2eG5xR0V1ajJfVEFTdHprNGV1bFp0U1hEVFlyb0NLUDJvdXh1YkhiWGZMdmdMa3ppeURiUTVPQVlYUVhYM1E2RUxYWEZTZWFyRG5mTnByZEk1dUJUMUpuSGRiYlk2bVEtX0NYNmxvam8?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=253 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "253", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide