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Laona State Bank

Laona, WI · Cert 11601 · Northern WI Bk Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=109 to 112). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Laona State Bank

Laona, WI · Cert 11601 · Northern WI Bk Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$296.6MAssets
$161.0MLoans
$271.5MDeposits
$22.3MEquity
Loan mix
83%RE $129.6M10%C&I $16.0M7%Consumer $10.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $224.5M17%Noninterest $47.0MQ2 2025Q2 2026

NIM

3.70%Q2 ’244.09%Q2 ’254.33%Q2 ’26+23%+26%

Non-interest income vs. expense

1.92%Q2 ’242.03%Q2 ’252.49%Q2 ’26+7%+26%

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.4% share · #17 of 20 inst. · $0.1B of $14.9B

79.1% Forest
16.1% Oconto

Executive Summary

  • Earnings: ROA of 0.33%, up 1 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 1.34% of loans (-77 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.63%, down 40 bps from a year ago.
  • Funding: loans stand at 59.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+58 bps YoY

Efficiency Ratio (YTD, annualized)

84.46%-11 bps YoY

Tier 1 Leverage Ratio

9.63%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.43%0.50%-0.45%0.33%+1 bps
Return on Equity4.60%6.08%6.94%-6.00%4.44%-17 bps
Net Interest Margin2.28%2.36%2.52%3.00%2.86%+58 bps
Efficiency Ratio84.57%76.47%74.10%109.33%84.46%-11 bps
Non-Interest Burden1.91%1.77%1.83%3.29%2.40%+49 bps
Growth
Asset Growth (YoY)6.29%5.81%9.65%8.48%5.46%-82 bps
Loan Growth (YoY)5.37%2.56%6.49%5.99%5.32%-5 bps
Deposit Growth (YoY)5.59%5.69%8.14%7.51%4.48%-111 bps
Asset Quality
Nonperforming Loans / Loans2.11%1.26%1.23%1.43%1.34%-77 bps
Net Charge-Offs / Loans0.02%-0.01%0.00%0.07%0.04%+2 bps
Allowance / Loans1.24%1.26%1.21%1.19%1.17%-7 bps
Allowance Coverage of NPLs0.6x1.0x1.0x0.8x0.9x+0.3x
Capital
Tier 1 Leverage Ratio10.03%9.76%9.73%9.94%9.63%-40 bps
Total Risk-Based Capital10.03%9.76%9.73%9.94%9.63%-40 bps
Equity / Assets7.19%7.31%7.38%7.48%7.51%+32 bps
Liquidity & Funding
Loans / Deposits58.82%55.78%58.08%59.50%59.29%+47 bps
Liquid Assets / Assets7.55%9.11%5.25%5.29%4.33%-322 bps
CRE / Total Capitaln/a94.66%98.48%103.38%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Laona State Bank

Laona, WI · Cert 11601 · Peer group: banks under $1B in assets in WI (n=109-112) · Northern WI Bk Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$296.6MAssets
$161.0MLoans
$271.5MDeposits
$22.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 17% of banks under $1B in assets in WI (rank 91 of 109).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in WI (rank 106 of 112).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.33%

Rank 104 of 112

Net Interest Margin

2.86%

Rank 101 of 112

Efficiency Ratio

84.46%

Rank 103 of 112

Equity / Assets

7.51%

Rank 106 of 112

Non-interest income vs. expense

$0.3M$7.6MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 9% of banks under $1B in assets in WI
Bank 84.46%Peer median 62.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.85%1.17%1.51%Beats 7%104 / 112
Return on Equity4.37%7.87%10.91%13.85%Beats 9%102 / 112
Net Interest Margin2.86%3.19%3.59%3.89%Beats 10%101 / 112
Efficiency Ratio84.46%54.87%62.73%72.61%Beats 9%103 / 112
Asset Quality
Nonperforming Loans / Loans1.34%0.03%0.22%0.91%Beats 16%93 / 109
Net Charge-Offs / Loans0.02%n/a0.00%0.01%Beats 17%91 / 109
Capital
Tier 1 Capital Ratio9.63%11.22%12.95%15.76%Beats 8%103 / 112
Total Risk-Based Capital Ratio9.63%11.57%13.59%16.73%Beats 8%103 / 112
Equity / Assets7.51%9.17%10.74%13.13%Beats 5%106 / 112
Liquidity & Funding
Loans / Deposits59.29%75.89%86.36%98.49%7th pctl103 / 111
Loans / Assets54.29%64.03%71.52%78.98%13th pctl97 / 112
Brokered Deposits / Depositsn/aNot reported for this institution