Laona State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Laona, WI, Laona State Bank serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $297M in total assets and $272M in deposits. Returns are in line with industry norms at 1.07% ROA and 14.82% ROE; net interest margin is 3.13%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.63% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.33% NPL ratio. It operates 7 branches, primarily in Wisconsin.
As of June 30, 2026, Laona State Bank reported a Tier 1 leverage ratio of 9.63%, a return on assets of 1.07%, a nonperforming-loan ratio of 1.33%, a Texas ratio of 8.92%, per financial data filed with the FFIEC.
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
- Offices
- 7 domestic
- Employees (FTE)
- 42
- Domestic deposits
- $271.5M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $30K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Laona State Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Laona State Bank, freeLaona State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.63% | 1.07% | 1.33% | 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% | 3.15% | 23.53% | 2.25% |
| Q3 2024 | 9.83% | 0.42% | 3.27% | 22.10% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Laona State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Laona State Bank headquartered?
Laona State Bank is headquartered in Laona, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Laona State Bank founded?
Laona State Bank was established in 1914, per the FDIC institution directory.
Is Laona State Bank FDIC-insured?
Yes. Laona State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Laona State Bank operate?
Laona State Bank 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?
Laona State Bank's Texas Ratio is 8.92% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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