Laona State Bank
Laona, WI · Cert 11601 · Peer group: banks under $1B in assets in WI (n=110-113) · 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 92 of 110).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in WI (rank 107 of 113).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.33%
Rank 105 of 113
Net Interest Margin
2.86%
Rank 102 of 113
Efficiency Ratio
84.46%
Rank 104 of 113
Equity / Assets
7.51%
Rank 107 of 113
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.85% | 1.17% | 1.51% | Beats 7% | 105 / 113 | | |
| Return on Equity | 4.37% | 7.70% | 10.77% | 13.67% | Beats 9% | 103 / 113 | | |
| Net Interest Margin | 2.86% | 3.19% | 3.59% | 3.89% | Beats 10% | 102 / 113 | | |
| Efficiency Ratio | 84.46% | 54.61% | 62.43% | 71.88% | Beats 9% | 104 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.34% | 0.03% | 0.24% | 0.91% | Beats 15% | 94 / 110 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.01% | Beats 17% | 92 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 9.63% | 11.22% | 12.95% | 15.76% | Beats 8% | 104 / 113 | | |
| Total Risk-Based Capital Ratio | 9.63% | 11.57% | 13.59% | 16.73% | Beats 8% | 104 / 113 | | |
| Equity / Assets | 7.51% | 9.17% | 10.74% | 13.13% | Beats 5% | 107 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.29% | 76.54% | 86.37% | 98.93% | 7th pctl | 104 / 112 | | |
| Loans / Assets | 54.29% | 63.07% | 71.33% | 78.84% | 13th pctl | 98 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |