NORTHERN WI BK HOLDING CO INC is the parent banking group. LAONA STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

NORTHERN WI BK HOLDING CO INC

Legal name: NORTHERN WISCONSIN BANK HOLDING COMPANY, INC.

1 active bank · $290M combined assets

RSSD ID: 1128189 (FFIEC NIC)

Combined Assets

$290M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankLAONA STATE BANKLAONA, WISatisfactory$290MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$290M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$265M

Net Income

$-327K

ROA (avg)

-0.45%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

151

Origination Rate

78.15%

Denial Rate

7.95%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
LAONA STATE BANK	LAONA, WI	FDIC	$290M	97.0%	Satisfactory	Nov 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.