Luana Savings Bank

Headquarters: Luana, Iowa
Charter: Bank
Assets: $2.3B
Fed district: Chicago
Regulator: FDIC
Holding company: Luana Bancorp

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for Luana Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Luana Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Luana Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $90K in Q2 2026, about level with the same quarter a year earlier ($90K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Non-Network ATM
Luana Savings Bank: $1.50
Luana Savings Bank: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Luana Savings Bank: $40
Luana Savings Bank: $40
U.S. median: no median
Stop Payment
Luana Savings Bank: $34
Luana Savings Bank: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 9.1% from Q3 2025 to Q2 2026, to $90K.

Service-charge income, Q2 2026

$90K

$99KQ3 2025

$84KQ4 2025

$101KQ1 2026

$90KQ2 2026

Against the median

Luana Savings BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Luana Savings Bank · $2.3B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$2.3B to $2.4B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Luana Savings Bank(this institution)	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Anderson Brothers Bank	Mullins, SC	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cashmere Valley Bank	Cashmere, WA	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Coastal States Bank	Hilton Head Island, SC	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First County Bank	Stamford, CT	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First United Bank	Dimmitt, TX	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank	Springfield, MO	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intercredit Bank, National Association	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Omb Bank	Springfield, MO	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Parke Bank	Sewell, NJ	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
QNB Bank	Quakertown, PA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Queensborough National Bank & Trust Company	Louisville, GA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Security First Bank	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Ephrata National Bank	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank of Fort Smith	Fort Smith, AR	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 20 publish this fee(monthly maintenance)

5 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Luana Savings Bank does not publish a monthly maintenance fee in the index.

The peer median is $10 among 20 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Luana Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.

Luana Savings BankPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Luana Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $90K
vs prior quarter: −$11K−10.9%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: +$30K+50.0%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Luana Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$90K	−$11K	−10.9%
Q1 2026	$101K	+$17K	+20.2%
Q4 2025	$84K	−$15K	−15.2%
Q3 2025	$99K	+$9K	+10.0%
Q2 2025	$90K	−$15K	−14.3%
Q1 2025	$105K	−$24K	−18.6%
Q4 2024	$129K	+$69K	+115.0%
Q3 2024	$60K	−$31K	−34.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Luana Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Checking 6 Months No Activity$10
per month
Dormant Account Money Market 18 Months No Activity$10
per month
Dormant Account Savings 12 Months No Activity$10
per month
Account Research Per Hour (1 Hour Min. Charge)$55
Not compared: Charged per hour; comparison unavailable
per hour
Additional Paper Statements$5
Paper Statements –Momentum, Everyday Checking, Budget Checking$5
Returned Mail – Bad Address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft or Sweep Protection$5

ATM & Card

Foreign ATM Fee – Outside Shazam Privilege Network$1.50
per transaction
Card Replacement$13
Rush Order$50
per item · Plus shipping costs

Wire Transfers

Wire Transfers: Outgoing Domestic$40
Wire Transfers: Incoming$18
Wire Transfers: Outgoing International$55

Check Services

Cashier Checks – Not Payable to Account Holder (audience not stated, treated as personal)$8
Money Orders – Not Payable to Account Holder$8
Stop Payment$34
Counter Checks Printing$1
per item

Digital & Electronic

16 or More Bill Payments Per Month$1.25
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Night Depository Key$25

Account Services

Notary Fee – Customer$5
Notary Fee – Non-Customer$10
Monthly Late Payment Fee (30 Day Grace)$10
Not compared: Monthly charge, not annual
per month
Garnishment/Levies$85

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Checking 6 Months No Activity	$10	per month	None
Dormant Account Money Market 18 Months No Activity	$10	per month	None
Dormant Account Savings 12 Months No Activity	$10	per month	None
Account Research Per Hour (1 Hour Min. Charge)	$55Not compared: Charged per hour; comparison unavailable	per hour	None
Additional Paper Statements	$5	Not stated	None
Paper Statements –Momentum, Everyday Checking, Budget Checking	$5	Not stated	None
Returned Mail – Bad Address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft or Sweep Protection	$5	Not stated	None
ATM & Card
Foreign ATM Fee – Outside Shazam Privilege Network	$1.50	per transaction	None
Card Replacement	$13	Not stated	None
Rush Order	$50	per item	Plus shipping costs
Wire Transfers
Wire Transfers: Outgoing Domestic	$40	Not stated	None
Wire Transfers: Incoming	$18	Not stated	None
Wire Transfers: Outgoing International	$55	Not stated	None
Check Services
Cashier Checks – Not Payable to Account Holder (audience not stated, treated as personal)	$8	Not stated	None
Money Orders – Not Payable to Account Holder	$8	Not stated	None
Stop Payment	$34	Not stated	None
Counter Checks Printing	$1	per item	None
Digital & Electronic
16 or More Bill Payments Per Month	$1.25Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Night Depository Key	$25	Not stated	None
Account Services
Notary Fee – Customer	$5	Not stated	None
Notary Fee – Non-Customer	$10	Not stated	None
Monthly Late Payment Fee (30 Day Grace)	$10Not compared: Monthly charge, not annual	per month	None
Garnishment/Levies	$85	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account Checking 6 Months No Activity$10
per month
Dormant Account Money Market 18 Months No Activity$10
per month
Dormant Account Savings 12 Months No Activity$10
per month
Account Research Per Hour (1 Hour Min. Charge)$55
Not compared: Charged per hour; comparison unavailable
per hour
Additional Paper Statements$5
Paper Statements –Momentum, Everyday Checking, Budget Checking$5
Returned Mail – Bad Address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft or Sweep Protection$5

ATM & Card

Foreign ATM Fee – Outside Shazam Privilege Network$1.50
per transaction
Card Replacement$13
Rush Order$50
per item · Plus shipping costs

Wire Transfers

Wire Transfers: Outgoing Domestic$40
Wire Transfers: Incoming$18
Wire Transfers: Outgoing International$55

Check Services

Money Orders – Not Payable to Account Holder$8
Stop Payment$34
Counter Checks Printing$1
per item

Digital & Electronic

16 or More Bill Payments Per Month$1.25
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Returned Deposit Item – Business Accounts Only$10
Night Depository Key$25

Account Services

Notary Fee – Customer$5
Notary Fee – Non-Customer$10
Monthly Late Payment Fee (30 Day Grace)$10
Not compared: Monthly charge, not annual
per month
Garnishment/Levies$85

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Checking 6 Months No Activity	$10	per month	None
Dormant Account Money Market 18 Months No Activity	$10	per month	None
Dormant Account Savings 12 Months No Activity	$10	per month	None
Account Research Per Hour (1 Hour Min. Charge)	$55Not compared: Charged per hour; comparison unavailable	per hour	None
Additional Paper Statements	$5	Not stated	None
Paper Statements –Momentum, Everyday Checking, Budget Checking	$5	Not stated	None
Returned Mail – Bad Address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft or Sweep Protection	$5	Not stated	None
ATM & Card
Foreign ATM Fee – Outside Shazam Privilege Network	$1.50	per transaction	None
Card Replacement	$13	Not stated	None
Rush Order	$50	per item	Plus shipping costs
Wire Transfers
Wire Transfers: Outgoing Domestic	$40	Not stated	None
Wire Transfers: Incoming	$18	Not stated	None
Wire Transfers: Outgoing International	$55	Not stated	None
Check Services
Money Orders – Not Payable to Account Holder	$8	Not stated	None
Stop Payment	$34	Not stated	None
Counter Checks Printing	$1	per item	None
Digital & Electronic
16 or More Bill Payments Per Month	$1.25Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Returned Deposit Item – Business Accounts Only	$10	Not stated	None
Night Depository Key	$25	Not stated	None
Account Services
Notary Fee – Customer	$5	Not stated	None
Notary Fee – Non-Customer	$10	Not stated	None
Monthly Late Payment Fee (30 Day Grace)	$10Not compared: Monthly charge, not annual	per month	None
Garnishment/Levies	$85	Not stated	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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