Laona State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 20.82 percentage points higher than in Q1 2026, at 14.82%. Within Wisconsin, Laona State Bank is 108th of 153 on return on assets, 1.07% as of Q2 2026, below the middle of the field. Laona State Bank reported 1.07% on return on assets for Q2 2026, 0.18 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 7.51% |
| Tangible equity to tangible assets | 7.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 8.92% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 88.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 14.82% |
| Net interest margin | 3.13% |
| Efficiency ratio | 58.43% |
| Yield on earning assets | 4.65% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.29% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.57% |
| Securities to assets | 34.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.96% | 0.27% | 2.23% | 3.28% | -0.01% |
| Q4 2023 | 9.98% | 0.21% | 2.25% | 3.33% | 0.02% |
| Q1 2024 | 10.20% | 0.08% | 1.98% | 3.07% | 0.02% |
| Q2 2024 | 9.98% | -0.06% | 1.97% | 3.11% | 0.17% |
| Q3 2024 | 9.83% | 0.42% | 2.21% | 3.27% | 0.01% |
| Q4 2024 | 9.94% | -0.02% | 2.25% | 3.15% | 0.01% |
| Q1 2025 | 9.87% | 0.19% | 2.21% | 2.30% | 0.03% |
| Q2 2025 | 10.03% | 0.43% | 2.66% | 2.11% | 0.01% |
| Q3 2025 | 9.76% | 0.62% | 2.92% | 1.26% | -0.08% |
| Q4 2025 | 9.73% | 0.68% | 3.13% | 1.23% | 0.02% |
| Q1 2026 | 9.94% | -0.45% | 3.02% | 1.43% | 0.07% |
| Q2 2026 | 9.63% | 1.07% | 3.13% | 1.33% | 0.01% |
Laona State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Laona State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)