Side-by-side · Q2 2026 data
Luana Savings Bank vs First Citizens Bank
Metric by metric
| Measure | Luana Savings Bank | First Citizens Bank |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 47 | 70 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 66 (stronger) | 43 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 58th | 91st |
| Total assets | $2.3B | $1.8B |
| Deposits / shares | $2.0B | $1.6B |
| Capital ratio | 9.70% | 11.96% (stronger) |
| Problem loans | 0.11% (stronger) | 0.16% |
| Net charge-offs | -0.00% (stronger) | 0.13% |
| Return on assets | 0.96% | 2.09% (stronger) |
| Loans ÷ deposits | 93.8% | 83.2% (stronger) |
| Uninsured deposits | 10.3% (stronger) | 45.6% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.8% | — |
First Citizens Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Luana Savings Bank leads on 3 and First Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- New Hampton, IA