| Metric | Luana Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +5.5% | +5.2 pts |
| Deposit growth (YoY) | +10.9% | +5.1% | +5.9 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 10.3% | 12.2% | -1.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.34B | $1.97B | $1.84B | $213.7M | $10.8M | 0.96% | 1.81% | 0.09% |
| Q1 2026 | $2.20B | $1.89B | $1.78B | $208.3M | $5.4M | 0.98% | 1.82% | 0.01% |
| Q4 2025 | $2.21B | $1.85B | $1.78B | $208.0M | $16.7M | 0.78% | 1.70% | 0.03% |
| Q3 2025 | $2.17B | $1.82B | $1.73B | $209.4M | $12.8M | 0.81% | 1.69% | 0.03% |
| Q2 2025 | $2.12B | $1.77B | $1.70B | $200.2M | $8.5M | 0.81% | 1.72% | 0.02% |
| Q1 2025 | $2.09B | $1.82B | $1.65B | $198.2M | $4.2M | 0.81% | 1.70% | 0.01% |
| Q4 2024 | $2.09B | $1.79B | $1.63B | $196.0M | $19.3M | 0.93% | 1.77% | 0.00% |
| Q3 2024 | $2.06B | $1.75B | $1.63B | $198.5M | $14.5M | 0.94% | 1.79% | 0.00% |
Loan mix (Q2 2026): real estate $1.75B · commercial $18.6M · consumer $13.6M · securities $340.3M
| Ratio | Luana Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 59.0% | 18th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Luana Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Luana Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Luana Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Luana Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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