Ladysmith Federal Savings & Loan Association

Ladysmith, WI

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Weiss Ratings	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	3.60
Capitalization Index	7.20
Liquidity Index	2.30
Profitability Index	3.00
Stability Index	4.00

Company Info	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
FDIC Number	28983
Phone Number	(715) 532-3389
Website	www.ladysmithfederal.com

Asset Quality	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	5.14%
5-Year Asset Growth	5.56%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	1.69%
Non-Performing Loans to Capital	15.79%
Non-Performing Loans to Loans	1.77%

Balance Sheet	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
Total Assets	93.96M
Total Deposits	71.36M

Capital and Reserves	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
Capital	7.38M
Leverage Ratio	9.11
Loan Loss Reserves to Loans	0.80%
Risk-Based Capital Ratio	16.79

Liquidity	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.90%
Liquidity Ratio	21.43%

Profitability	Ladysmith Federal Savings & Loan Association Ladysmith, WI	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.53%
Net Income	502.00K
Net Interest Spread	3.23%
Operating Profit to Average Assets	0.65%
Overhead Efficiency Ratio	76.62%
Return on Assets	0.56%
Return on Equity	7.38%