BlastPoint's Banking Scorecard
Laona State Bank
Micro
Specialty: Other
WI
FDIC cert 11601
Designations: ✓ Community bank
Laona, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Laona State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$297.0M
+9.6% YoY
+0.3% QoQ
|
+$79.6M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$156.2M
+6.6% YoY
+3.8% QoQ
|
+$17.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$272.3M
+8.1% YoY
-0.3% QoQ
|
+$88.6M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.50%
+339.3% YoY
+15.2% QoQ
|
-0.59% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.81%
+28.4% YoY
+4.8% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
74.10%
-19.8% YoY
-3.1% QoQ
|
+6.38% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.25%
-51.3% YoY
-2.1% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
57.37%
-1.4% YoY
+4.2% QoQ
|
-17.15% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
17.63%
-6.1% YoY
-0.4% QoQ
|
-4.77% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.66%
-52.7% YoY
+1.3% QoQ
|
+0.20% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
-4.6% YoY
+28.2% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Total Deposits
Current: $272.3M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $297.0M · Tier avg: $217.5M
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 22.39%
30
30th pctile
Efficiency Ratio
Current: 74.10% · Tier avg: 67.73%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.37% · Tier avg: 74.53%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.37% · Tier avg: 74.53%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
30
30th pctile
Efficiency Ratio
Current: 74.10% · Tier avg: 67.73%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $297.0M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $272.3M · Tier avg: $183.7M