| Metric | Laona State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 4.4% | 11.9% | -7.4 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.6M | $271.5M | $159.1M | $22.3M | $487K | 0.33% | 3.14% | 0.73% |
| Q1 2026 | $289.7M | $265.2M | $155.9M | $21.7M | $-327K | -0.45% | 3.15% | 0.78% |
| Q4 2025 | $297.0M | $272.3M | $156.2M | $21.9M | $1.4M | 0.50% | 2.81% | 0.66% |
| Q3 2025 | $296.0M | $273.2M | $150.5M | $21.7M | $902K | 0.43% | 2.68% | 0.65% |
| Q2 2025 | $281.2M | $259.9M | $151.0M | $20.2M | $441K | 0.32% | 2.54% | 1.15% |
| Q1 2025 | $267.1M | $246.7M | $147.0M | $19.3M | $134K | 0.20% | 2.34% | 1.28% |
| Q4 2024 | $270.9M | $251.8M | $146.6M | $18.0M | $304K | 0.11% | 2.19% | 1.39% |
| Q3 2024 | $279.8M | $258.5M | $146.7M | $20.1M | $321K | 0.16% | 2.11% | 1.41% |
Loan mix (Q2 2026): real estate $130.9M · commercial $17.4M · consumer $10.7M · securities $101.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Laona State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 62.9% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Laona State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Laona State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Laona State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Laona State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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