Bank · FDIC insured
Luana Savings Bank
Top CarrotA $2.3B bank headquartered in Luana, IA, with 6 branches in Iowa. Best rates: CDs 4.55% and savings 2.02% APY.
Luana Savings Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#4 of 53 in Des Moines, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Luana Savings Bank
Luana Savings Bank has been operating since 1908, serving Central and Northeast Iowa with six branch locations across Luana, Ossian, New Hampton, Polk City, Clive, and Norwalk.
- Headquarters
- 100 Harvest Dr, Luana, IA 52156
- FDIC certificate
- 253 ↗
Branches
6 branches in Iowa
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Iowa
6 branches
Des Moines area · 3
- Clive Branch16390 Holcomb Ct, Clive, IA 50325Directions
- Norwalk Branch9321 Marketplace Dr, Norwalk, IA 50211Directions
- Polk City Branch855 West Bridge Road, Polk City, IA 50226Directions
Luana area · 1
- Luana Savings BankMain office100 Harvest Dr, Luana, IA 52156Directions
New Hampton area · 1
- New Hampton Branch22 W Main St, New Hampton, IA 50659Directions
Ossian area · 1
- Ossian Branch123 E Main St, Ossian, IA 52161Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.70% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.11% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.96% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalLeverage ratio9.70%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.11%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Luana Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.