Laona State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.79 percentage points in Q2 2026, from 83.14% to 77.35%. It was the largest change from Q1 2026 among the key lines here. Laona State Bank has the 11th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 59.29% as of Q2 2026. Laona State Bank reported 59.29% on loan-to-deposit ratio for Q2 2026, 21.55 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $161.0M |
| Net loans and leases | $159.1M |
| Loans held for sale | $0 |
| Loans to total assets | 54.29% |
| Loan-to-deposit ratio | 59.29% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.61% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 10.83% |
| Consumer | 6.67% |
| Credit cards | 0.00% |
| Farm | 3.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.35% |
| Construction concentration (Tier 1 capital + allowance) | 40.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.18% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $133.6M | $247.3M | 11.84% | 12.92% | 8.44% |
| Q4 2023 | $142.0M | $247.6M | 12.05% | 12.84% | 8.21% |
| Q1 2024 | $142.4M | $244.5M | 12.04% | 11.91% | 8.42% |
| Q2 2024 | $145.1M | $246.1M | 11.49% | 12.16% | 8.28% |
| Q3 2024 | $148.6M | $258.5M | 10.78% | 11.68% | 8.11% |
| Q4 2024 | $148.5M | $251.8M | 10.77% | 11.11% | 7.97% |
| Q1 2025 | $148.9M | $246.7M | 10.50% | 10.91% | 7.68% |
| Q2 2025 | $152.9M | $259.9M | 10.46% | 11.25% | 7.68% |
| Q3 2025 | $152.4M | $273.2M | 9.79% | 11.17% | 7.48% |
| Q4 2025 | $158.1M | $272.3M | 9.31% | 11.39% | 7.05% |
| Q1 2026 | $157.8M | $265.2M | 10.14% | 10.13% | 6.63% |
| Q2 2026 | $161.0M | $271.5M | 9.61% | 10.83% | 6.67% |
Laona State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Laona State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Laona State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11601) · FFIEC NIC profile (RSSD 178150)