Top of the Class: Three “A+” Health Grades for Luana Savings Bank

January 4, 2024

Luana Savings Bank is happy to report three “A+” health grades; a Texas Ratio grade and a Deposit Growth grade, all published on, a site that depositors across the country use to find the best deals.

A+ Texas Ratio
Per the website, “The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of September 30, 2023 Luana Savings Bank had $177,000 in non-current loans and owned real-estate with $178.43 million in equity and loan loss allowances on hand to cover it. This gives Luana Savings Bank a Texas Ratio of 0.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.” This Texas Ratio clearly demonstrates the high-quality assets Luana Savings Bank puts on its books, a supporting factor in an extremely low risk profile.

A+ Texas Ratio Trend
Per the website, “The Texas Ratio for Luana Savings Bank decreased dramatically from 1.63% as of September 30, 2022 to 0.10% as of September 30, 2023, resulting in a positive change of 93.92%.This indicates that the balance sheet and financial strength for Luana Savings Bank has improved dramatically in recent periods.”

A+ Deposit Growth
Per the website, “In the past year, Luana Savings Bank has increased its total non-brokered deposits by $164.83 million, resulting in 25.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Luana Savings Bank has shown is excellent.” Luana Savings Bank is very proud of this rating as it demonstrates consumer's trust. Consumers can be assured the bank is operated in an environment of safety and soundness, while earning some of the best rates in the country on their hard-earned deposits.

What is

Luana Savings Bank is commonly recognized nationally on a number of free bank comparison sites and other publications, drawing in customers from across the country. states they are an unbiased, comprehensive, bank account comparison service, tracking national to local banks that have the best deals. They state they list the best rates available, differing from other comparison sites who may omit the best rates to benefit their advertisers.

*This content is public information, provided for informational purposes only. Luana Savings Bank is not affiliated with, nor advertises or promotes on or for the site.

Luana Savings Bank Overview/Health Grades: