Laona State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Laona State Bank of Laona, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 14.82% | 12.05% | +2.77% | 65th above |
| Net Interest Margin | 3.13% | 3.90% | -0.77% | 14th bottom |
| Efficiency Ratio | 58.43% | 63.15% | -4.72% | 59th above |
| PPNR / Avg Assets | 1.19% | 1.64% | -0.45% | 28th below |
| Yield on Earning Assets | 4.65% | 5.65% | -1.00% | 12th bottom |
| Cost of Funds | 1.63% | 1.85% | -0.22% | 61st above |
| Net Interest Spread | 2.68% | 3.35% | -0.67% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.92% | +0.41% | 21st bottom |
| NPA / Total Assets | 0.72% | 0.67% | +0.05% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 88.10% | 1645.80% | -1557.70% | 24th bottom |
| Texas Ratio | 8.92% | 7.15% | +1.77% | 25th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.63% | 12.46% | -2.83% | 24th bottom |
| Equity / Assets | 7.51% | 11.67% | -4.16% | 9th bottom |
| TCE / Tangible Assets | 7.51% | 11.40% | -3.89% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.29% | 78.65% | -19.36% | 84th top |
| Core Deposit Ratio | 90.54% | 87.09% | +3.45% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.46% | 6.47% | -1.01% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.32% | 7.64% | -2.32% | 50th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.48% | 6.02% | -1.54% | 54th above |
See Laona State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Laona State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Laona State Bank profile, how to read a UBPR, or how this data updates.