Laona State Bank
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Data as of · sourced from FFIEC call reports. How we update
Laona State Bank is an FDIC-insured commercial bank headquartered in Laona, WI, established in 1914 (FDIC certificate 11601), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $296.6M, up 5.5% from Q2 2025, the 99th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11601
- Headquarters
- Laona, WI
- Established
- 1914
- Total assets, Q2 2026
- $296.6M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 9.63%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 091508171
- Holding company
- NORTHERN WISCONSIN BANK HOLDING COMPANY, INC.
- Asset rank in state
- 99th of 153 in Wisconsin
Laona State Bank, based in Laona, Wisconsin, reported $297 million in assets at June 30, 2026, up 5.5% from a year earlier. It keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 8.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $814,000, 165% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.34% of loans, down from 2.11% a year earlier. Where it has less room is capital: it funds 9.63% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Laona State Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 8.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Laona State Bank is the 99th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $296.6M, loans rose 2.0% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 60.5% of total loans, ahead of commercial and industrial loans at 10.8%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in WI; its Laona office books 37% of its branch deposits. Judged on its Q2 2026 call report, Laona State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5308 Beech St, Laona, WI 54541
- County
- Forest
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $271.5M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $303.2M
- Average total loans
- $160.9M
- Average interest-bearing deposits
- $220.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11601
- Fed RSSD
- 178150
- Website
- WWW.LAONASTATEBANK.COM →
- Parent Holding Company
- NORTHERN WISCONSIN BANK HOLDING COMPANY, INC. (RSSD 1128189)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Laona State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Laona State Bank's total assets ran between $262.7M (Q3 2023) and $297.0M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$296.6M total assets against $281.2M; $274.3M total liabilities against $261.0M.
$159.1M net loans and leases against $151.0M; $271.5M total deposits against $259.9M.
$101.0M securities against $92.8M; $25.7M cash and balances due against $26.4M.
$3.3M total interest income against $3.0M; $1.1M total interest expense against $1.2M.
$2.2M net interest income against $1.8M.
$46K total noninterest income against $82K; $1.3M total noninterest expense against $1.5M.
$0 provision for credit losses against $1K.
$814K net income against $307K.
1.07% return on assets against 0.43%; 3.13% net interest margin against 2.66%.
9.63% tier 1 leverage ratio against 10.03%.
Inside the full Laona State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLaona State Bank rankings
Its closest position to the top of a national ranking is 729 of 3,640, for Texas Ratio; its furthest is 2,343 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.45% (Q1 2026) to 1.07% (Q2 2026) and its net interest margin ran from 2.21% (Q3 2024) to 3.13% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 1.07% | 1.34% | 8.92% | 3.13% |
| Q1 2026 | 9.94% | -0.45% | 1.43% | 9.57% | 3.02% |
| Q4 2025 | 9.73% | 0.68% | 1.23% | 8.19% | 3.13% |
| Q3 2025 | 9.76% | 0.62% | 1.26% | 8.14% | 2.92% |
| Q2 2025 | 10.03% | 0.43% | 2.11% | 14.59% | 2.66% |
| Q1 2025 | 9.87% | 0.19% | 2.30% | 16.16% | 2.21% |
| Q4 2024 | 9.94% | -0.02% | 2.53% | 18.90% | 2.25% |
| Q3 2024 | 9.83% | 0.42% | 2.65% | 17.92% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Laona State Bank (main office) | Laona , WI | 54541 | $100.3M |
| Lakewood Branch | Lakewood , WI | 54138 | $59.4M |
| Lake Ave Branch | Crandon , WI | 54520 | $56.8M |
| Wabeno Branch | Wabeno , WI | 54566 | $36.4M |
| Armstrong Creek Branch | Armstrong Creek , WI | 54103 | $14.1M |
| Townsend Branch | Townsend , WI | 54175 | $4.6M |
| Crandon Branch | Crandon , WI | 54520 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 102 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 111 loans originated, $17.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Laona State Bank
What are Laona State Bank's total assets?
As of the Q2 2026 filing, Laona State Bank reported total assets of $296.6 million in its FFIEC call report.
Where is Laona State Bank headquartered?
It is headquartered in Laona, WI, United States.
When was Laona State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Laona State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Laona State Bank?
Laona State Bank's primary federal regulator is the FDIC.
How many branches does Laona State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Laona State Bank's Texas Ratio?
Its Texas Ratio is 8.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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