C
Ladysmith Federal Savings & Loan Association
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.18
Return On
Assets
0.57%
Total
Assets
93.18M
Capital
7.61M
Total
Deposits
72.34M
Net
Income
265.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 3.50
Capitalization Index 7.30
Liquidity Index 2.20
Profitability Index 3.30
Stability Index 4.10
Company Info Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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FDIC Number 28983
Phone Number (715) 532-3389
Website www.ladysmithfederal.com
Asset Quality Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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1-Year Asset Growth 4.39%
5-Year Asset Growth 5.56%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 1.85%
Non-Performing Loans to Capital 17.47%
Non-Performing Loans to Loans 2.36%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 93.18M
Total Deposits 72.34M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 7.61M
Leverage Ratio 9.18
Loan Loss Reserves to Loans 0.81%
Risk-Based Capital Ratio --
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 21.54%
Liquidity Ratio 20.55%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.52%
Net Income 265.00K
Net Interest Spread 3.59%
Operating Profit to Average Assets 0.67%
Overhead Efficiency Ratio 79.15%
Return on Assets 0.57%
Return on Equity 7.04%