Laona State Bank
Laona, Wisconsin · FDIC Cert #11601
This is the FDIC profile for Laona State Bank, an FDIC-insured bank (Certificate #11601) with $265M in total assets and $246M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Laona, Wisconsin, the bank maintains a Tier 1 capital ratio of 9.98% (Well-Capitalized) and a nonperforming loan ratio of 2.46%. BankHealthData assigns a composite Health Grade of C (64/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Laona State Bank (FDIC cert 11601) is a community bank — $265M in total assets, $246M in deposits, serving the Laona, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.98% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.46% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 40.8% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.07% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Laona State Bank carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Laona State Bank
- Total Assets
- $265M
- Total Deposits
- $246M
- Tier 1 Capital Ratio
- 9.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.46%
- Liquidity Ratio
- 40.80%
- Return on Assets
- 0.07%
- Headquarters
- Laona, Wisconsin
- FDIC Certificate
- #11601
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Laona State Bank files quarterly Call Reports with the FDIC under Certificate #11601. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Laona State Bank holds a Tier 1 capital ratio of 9.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Laona State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Laona State Bank shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Laona State Bank Compares
Laona State Bank’s Health Score of 64 is 14 points below the Wisconsin state average of 78 across 141 FDIC-insured banks. Its 9.98% Tier 1 capital ratio is 4.0 points below the US banking industry average near 14%. The 2.46% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.07% is below the national ROA benchmark of ~1.1%. Among 1584 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Laona State Bank is 16 points below the portfolio average of 80.
Frequently Asked Questions
Laona State Bank has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Laona State Bank's Tier 1 capital ratio of 9.98% and nonperforming loan ratio of 2.46% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Laona State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11601). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Laona State Bank holds $265M in total assets and $246M in total deposits. It is headquartered in Laona, Wisconsin (FDIC Certificate #11601).
Laona State Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #11601 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Laona State Bank has a Tier 1 capital ratio of 9.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.46%, and the return on assets is 0.07%.
Yes. Laona State Bank is FDIC-insured (Certificate #11601). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Laona State Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.