Laona State Bank (FDIC certificate #11601) is based in Laona, Wisconsin. Its Q2 2026 call report shows $296.6M in total assets and $271.5M in deposits and 7 offices.
Laona State Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 137th. Funding & liquidity contributes the most (88/100, 59% loans-to-deposits, 26% uninsured); earnings contributes the least (33/100, 0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (50 → 56), mostly because the loan quality component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 43 |
| Q4 2024 | 44 |
| Q1 2025 | 47 |
| Q2 2025 | 50 |
| Q3 2025 | 58 |
| Q4 2025 | 59 |
| Q1 2026 | 50 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 9.83% |
| Q4 2024 | 9.94% |
| Q1 2025 | 9.87% |
| Q2 2025 | 10.03% |
| Q3 2025 | 9.76% |
| Q4 2025 | 9.73% |
| Q1 2026 | 9.94% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.46% |
| Q3 2024 | 2.65% |
| Q4 2024 | 2.53% |
| Q1 2025 | 2.30% |
| Q2 2025 | 2.11% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.50% |
| Q1 2026 | -0.45% |
| Q2 2026 | 0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $296.6M | 9.63% | 1.34% | 0.33% | 58.6% |
| Q1 2026 | 50 | $289.7M | 9.94% | 1.43% | -0.45% | 58.8% |
| Q4 2025 | 59 | $297.0M | 9.73% | 1.23% | 0.50% | 57.4% |
| Q3 2025 | 58 | $296.0M | 9.76% | 1.26% | 0.43% | 55.1% |
| Q2 2025 | 50 | $281.2M | 10.03% | 2.11% | 0.32% | 58.1% |
| Q1 2025 | 47 | $267.1M | 9.87% | 2.30% | 0.20% | 59.6% |
| Q4 2024 | 44 | $270.9M | 9.94% | 2.53% | 0.11% | 58.2% |
| Q3 2024 | 43 | $279.8M | 9.83% | 2.65% | 0.16% | 56.7% |
| Q2 2024 | 45 | $264.6M | 9.98% | 2.46% | 0.01% | 58.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Partners Bank of WisconsinBank Marshfield, WI | 86 out of 100, Very strong | $294.2M | 14.7% | 0.36% | vs |
| The Peshtigo National BankBank Peshtigo, WI | 69 out of 100, Moderate | $300.0M | 9.0% | 0.00% | vs |
| Collins State BankBank Collins, WI | 62 out of 100, Moderate | $301.2M | 8.7% | 0.30% | vs |
| Nekoosa Port Edwards State BankBank Nekoosa, WI | 93 out of 100, Very strong | $286.5M | 15.1% | 0.00% | vs |
| First Federal Bank of WisconsinBank Waukesha, WI | 82 out of 100, Strong | $285.9M | 22.5% | 0.02% | vs |
| Citizens State Bank of LoyalBank Loyal, WI | 80 out of 100, Strong | $311.5M | 11.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Laona State Bank?
Yes. Laona State Bank is an FDIC-insured institution (FDIC certificate #11601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.4% of deposits ($71.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Laona State Bank lists 3 offices in 3 cities. Most locations:
- Crandon, WI (1)
- Lakewood, WI (1)
- Laona, WI (1)
HMDA 2025
Mortgage lending
In 2025, Laona State Bank reported 151 home-loan applications under HMDA (LEI 549300ICVSTMS2XFXX81): 112 originated ($17,220,000 total), 14 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Laona State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11601
- RSSD ID
- 178150
- Primary regulator
- FDIC
- Holding company
- Northern Wi Bk Holding Co Inc
- Established
- January 1, 1914
- Headquarters
- 5308 Beech St, Laona, WI 54541
- Website
- www.laonastatebank.com
- Employees
- 42
Quick answers
Laona State Bank: common questions
Is Laona State Bank FDIC insured?
Yes. Laona State Bank is an FDIC-insured institution (FDIC certificate #11601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Laona State Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Laona State Bank ever failed?
There is no failure record for FDIC certificate #11601 in the FDIC failed bank list.
How many branches does Laona State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Laona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Covantage Credit UnionCredit union Antigo, WI | 59 out of 100, Moderate | $4.2B | 9.8% | 1.28% | vs |
| Associated Bank, National AssociationBank Green Bay, WI | 58 out of 100, Moderate | $51.8B | 8.4% | 0.42% | vs |