Luana Savings Bank: Bank Stress & Real-Estate Credit Exposure

At 74/100, Luana Savings Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #253. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Luana Savings Bank runs a compact, single-state real-estate lending footprint — 6 U.S. counties across 1 state, spanning 119 ZIP codes. It concentrates most in Iowa (6 counties). The combination of a elevated reading and a compact footprint is what makes Luana Savings Bank worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Luana Savings Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Luana Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Luana Savings Bank in isolation: the 119-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Luana Savings Bank is held under Luana Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. Its lending reaches counties such as Polk County, IA, Dallas County, IA, Clayton County, IA, Warren County, IA, each tied back to DLRadar's distress signals.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Luana Savings Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.