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Laona State Bank

Laona, WI · Est. 1914 · Website ↗
C
Trust Grade
Average
Score: 77/100

Laona State Bank is a bank based in Laona, Wisconsin, established in 1914, with $290 million in total assets across 7 branches. By Trust Grade it ranks 151st of 154 banks we track in Wisconsin. Its capital ratio of 7.5% trails most similarly sized banks (10th percentile), versus a Wisconsin median of 10.4%. It posted a loss over the most recent period (-0.45% return on assets), a point to watch. No consumer complaints against Laona State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$289.7M
$100M–1B institution
Deposits
$265.2M
Branches
7
Capital ratio
7.5%
Bottom 10% of $100M–1B peers · Wisconsin median 10.4%
Return on assets
-0.4%
Bottom 2% of $100M–1B peers · Wisconsin median 1.2%
Rank in Wisconsin
#151
of 154 banks

How Laona State Bank compares to Wisconsin peers

Capital ratio
Bottom 10% of $100M–1B peers
Laona State
7.5%
Wisconsin median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 2% of $100M–1B peers
Laona State
-0.4%
Wisconsin median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Laona State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
77/100
Customer experience
n/a
Overall
C · 77
  • Well-capitalized (7.5% capital ratio)
  • Unprofitable over the period (ROA -0.45%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Laona State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (7)

  • 600 E Pioneer St, Crandon, WI 54520
  • 497 Us Highway 8, Armstrong Creek, WI 54103
  • 15570 State Highway 32, Lakewood, WI 54138
  • 108 N Lake Ave, Crandon, WI 54520
  • 4519 N Branch St, Wabeno, WI 54566
  • 17953 Highway 32, Townsend, WI 54175
  • 5308 Beech St, Laona, WI 54541

Are deposits at Laona State Bank insured?

Yes. Laona State Bank is an FDIC-insured bank (FDIC certificate #11601). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Laona State Bank: frequently asked questions

Is Laona State Bank a good bank?

Laona State Bank earns a Bankzia Trust Grade of C (77/100, "Average"), based on a financial-strength score of 77/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Unprofitable over the period (ROA -0.45%).

Is Laona State Bank FDIC-insured?

Yes. Laona State Bank is a FDIC-insured bank (FDIC certificate #11601). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Laona State Bank?

Laona State Bank holds $290 million in total assets, ranking 151st of 154 banks we track in Wisconsin. It operates 7 branches.

Does Laona State Bank have CFPB complaints?

No CFPB complaints against Laona State Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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