LAONA STATE BANK

LAONA, WI | Small | Est. Jan. 1, 1914, midnight | FDIC #11601 | RSSD #178150 | FDIC
Latest Report: 2025-12-31

LAONA STATE BANK is asn small FDIC-insured commercial bank headquartered in LAONA, WI, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $297M and total deposits of $272M. Profitability stands at 0.68% ROA and 9.20% ROE, with a net interest margin of 3.18%. The bank's CET1 capital ratio is 7.38%. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 8.17%. FDIC Certificate #11601.

Assets

$297M

Deposits

$272M

Loans

$158M

Equity

$22M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 9.20%
Net Interest Margin (NIM) 3.18%
Yield on Assets 4.88%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 1.23%
Net Charge-Off Ratio 0.00%
Texas Ratio 8.17%
NPA Ratio 0.66%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 7.38%
Tier 1 Capital 7.38%
Total Capital Ratio 7.75%
Leverage Ratio 9.73%
Loan-to-Deposit 58.08%

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