FDIC Cert #11601 · Laona, Wisconsin · Est. 1914

Laona State Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$297M
Total assets
D
Health grade · Weak
0.50%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

Laona State Bank earns a PlainBankData health grade of D (45/100), with 9.73% Tier 1 capital, 0.50% ROA, 74% efficiency ratio.

#2,500
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
9.73%
Tier 1 ratio - below the 10% well-capitalized line
15th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 11601 · WI D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4192/4307
  • PHOTO-FINISH Unity Bank of Missis… · MS
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 8.2% Texas
  • ROA-THIN 0.50% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Unity Bank of Mississippi, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Laona State Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Camp Grove State Bank · IL ·…45/100Citizens Progressive… · LA ·…45/100Hendricks County Ban… · IN ·…45/100Laona State Bank · WI · this…45/100Unity Bank of Missis… · MS ·…45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Laona State Bank · July 2026

Call Report read for Laona State Bank in a high-failure state

Laona State Bank (FDIC Cert #11601) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,192 of 4,307. Tier 1 capital prints at 9.73%, missing the 10% well-capitalized line. The Texas Ratio is 8.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.50%. Balance-sheet scale is $297M, 2,500th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Unity Bank of Mississippi (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Laona State Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Laona State Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Laona State Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Laona State Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Laona State Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.50%) 7/25
Texas Ratio (8.19%) 16/20
Efficiency Ratio (74.10%) 4/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$297M

Total balance-sheet footings

Total Deposits

$272M

Customer-funded liabilities

Net Loans

$156M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.33% 9.73% 11.13%
Basel III capital ratios - Laona State Bank

Where Laona State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Laona State Bank's score of 45/100 falls in the highlighted band.

Laona State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Laona State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Laona State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Laona State Bank's $297M falls in the highlighted band.

Capital & credit buffers at Laona State Bank

Tier 1 capital ratio
Well-capitalized 10%

9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.73%
Texas Ratio
8.19%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: Laona State Bank

Return on Assets (ROA)
15th percentile nationally
0.50%
Return on Equity (ROE)
6.94%
Efficiency Ratio
74.10%

What these mean →

Income & expense at Laona State Bank

$12M
Interest Income
$386K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Laona State Bank reports a Texas Ratio of 8.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Laona State Bank

Laona State Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.73% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Laona State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Laona State Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($297M here), outside Wisconsin so the neighborhood is not state containment.

First National Bank Of Commerce $297M · AR First Heritage Bank $297M · KS Farmers Savings Bank $296M · IA Sundance State Bank $298M · WY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Laona State Bank (FDIC Cert #11601) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Laona State Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%