🏦Bank Scorer

LAONA STATE BANK

LAONA, WI · Supervised by FDIC

Est. 1914FDIC #11,601RSSD: FDIC-11601
Part ofNORTHERN WI BK HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.45%

Institution Profile

FDIC BankFind

Address

5308 Beech St, LAONA, WI

County

Forest County

Established

January 1, 1914

Total Assets

$290M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$290M

Total Deposits

$265M

Net Loans

$156M

Net Income

$-327K

ROA

-0.45%

ROE

-6.00%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.95%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$260M

1-Year Change

-1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415178.15%7.95%
202311779.49%4.27%
202214684.25%6.85%
202122485.71%6.25%
202020788.89%4.83%
201914386.71%4.90%
201813583.7%8.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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