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
Unfavorable gap of $7.3M · efficiency ratio beats 9% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.85% | 1.17% | 1.51% | Beats 7% | 104 / 112 | |
| Return on Equity | 4.37% | 7.87% | 10.91% | 13.85% | Beats 9% | 102 / 112 | |
| Net Interest Margin | 2.86% | 3.19% | 3.59% | 3.89% | Beats 10% | 101 / 112 | |
| Efficiency Ratio | 84.46% | 54.87% | 62.73% | 72.61% | Beats 9% | 103 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.03% | 0.22% | 0.91% | Beats 16% | 93 / 109 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.01% | Beats 17% | 91 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 9.63% | 11.22% | 12.95% | 15.76% | Beats 8% | 103 / 112 | |
| Total Risk-Based Capital Ratio | 9.63% | 11.57% | 13.59% | 16.73% | Beats 8% | 103 / 112 | |
| Equity / Assets | 7.51% | 9.17% | 10.74% | 13.13% | Beats 5% | 106 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 59.29% | 75.89% | 86.36% | 98.49% | 7th pctl | 103 / 111 | |
| Loans / Assets | 54.29% | 64.03% | 71.52% | 78.98% | 13th pctl | 97 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |