BlastPoint's Banking Scorecard

Laona State Bank

$100M-$1B Specialty: Other WI FDIC cert 11601

Laona, WI

7 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +4.5% year over year ($271.5M on the books).
Delinquency rate 1.35%.
Return on assets 0.33%.
Efficiency ratio 84.46% vs a 64.48% peer average.
Loan-to-deposit ratio 58.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Laona State Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 32.1% in tier
- Capital Thin: Bottom 34.5% in tier
- Return on Assets 0.99% below tier average
- Non-Interest Income / Assets 0.52% below tier average
- Net Interest Margin 0.85% below tier average
- Delinquency Rate 0.44% above tier average

Get updates when Laona State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$296.6M +5.5% YoY +2.4% QoQ	-$90.0M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$159.1M +5.4% YoY +2.1% QoQ	-$99.2M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$271.5M +4.5% YoY +2.4% QoQ	-$55.2M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	0.33% +2.4% YoY +174.2% QoQ	-0.99%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 8.1% in tier
Net Interest Margin ?	3.14% +23.9% YoY -0.2% QoQ	-0.85%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 14.2% in tier
Efficiency Ratio ?	84.46% -0.1% YoY -22.7% QoQ	+19.98%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 9.6% in tier
Delinquency Rate ?	1.35% -36.6% YoY -6.3% QoQ	+0.44%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	58.60% +0.9% YoY -0.3% QoQ	-19.35%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	17.31% -6.2% YoY -0.3% QoQ	-4.72%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.73% -36.7% YoY -6.6% QoQ	+0.06%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	9.63% -4.0% YoY -3.1% QoQ	-6.28%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 6.3% in tier
Non-Interest Income / Assets ?	0.05% -25.3% YoY +47.1% QoQ	-0.52%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 5.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	17.3% -1.2pp YoY -0.1pp QoQ	-4.8pp	22.1%	18.9%	22.2%	33%
Brokered Deposits	n/a	n/a	7.9%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	11.0% -0.4pp YoY +0.7pp QoQ	-0.6pp	11.6%	10.5%	12.5%	58%
CRE	17.7% -0.9pp YoY -1.3pp QoQ	-21.8pp	39.5%	46.4%	41.4%	15%
1-4 Family	61.2% +3.4pp YoY +0.5pp QoQ	+28.6pp	32.6%	32.3%	31.3%	91%
Consumer	6.8% -1.0pp YoY 0.0pp QoQ	+2.6pp	4.1%	2.6%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.5%	19.7%	n/a
Leverage Ratio	9.6% -0.4pp YoY -0.3pp QoQ	-2.5pp	12.2%	12.6%	12.6%	24%
Total Capital Ratio	n/a	n/a	19.9%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	42 +5 (+13.5%) YoY +4 (+10.5%) QoQ	-17	58	134	482	44%
Assets per Employee ($)	$7.1M -7.1% YoY -7.4% QoQ	-$457K	$7.5M	$8.2M	$8.8M	53%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.4%	0.4%	20%
Nonaccrual	1.3% -0.8pp YoY -0.1pp QoQ	+0.4pp	0.9%	0.9%	1.0%	79%
Allowance Coverage	0.87x +48.8% YoY +4.4% QoQ	-23.28x	24.15x	56.89x	20.23x	23%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	4.4% -0.2pp YoY +10.4pp QoQ	-7.8pp	12.2%	11.8%	11.6%	12%
Cost of Funds (YTD)	1.6% -0.4pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	44%
Net Income ($, YTD)	$487,000 +10.4% YoY — QoQ	-$2.1M	$2.6M	$7.9M	$40.4M	10%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#117 of 361 • Bottom 32.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.46%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

Capital Thin

risk

#229 of 661 • Bottom 34.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.63%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

414

Loan-to-Deposit Ratio

liquidity

Value: 58.60%

Peer Median: 77.95%

#414 of 2643 Top 15.6% in $100M-$1B

Top Weaknesses (6 metrics)

2510

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2510 of 2643 Bottom 5.1% in $100M-$1B

2477

Tier 1 Capital Ratio

capital

Value: 9.63%

Peer Median: 15.91%

#2477 of 2643 Bottom 6.3% in $100M-$1B

2431

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2431 of 2643 Bottom 8.1% in $100M-$1B

2391

Efficiency Ratio

profitability

Value: 84.46%

Peer Median: 64.48%

#2391 of 2643 Bottom 9.6% in $100M-$1B

2268

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2268 of 2643 Bottom 14.2% in $100M-$1B

2091

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.92%

#2091 of 2633 Bottom 20.6% in $100M-$1B