C
Ladysmith Federal Savings & Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
17.04
Leverage
Ratio
9.14
Return On
Assets
0.55%
Total
Assets
89.26M
Capital
6.68M
Total
Deposits
68.14M
Net
Income
247.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 4.60
Capitalization Index 7.20
Liquidity Index 2.60
Profitability Index 3.00
Stability Index 4.20
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 -0.65%
5-Year Asset Growth 11.99%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 1.73%
Non-Performing Loans to Capital 12.74%
Non-Performing Loans to Loans 1.80%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 89.26M
Total Deposits 68.14M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 6.68M
Leverage Ratio 9.14
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 17.04
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 20.35%
Liquidity Ratio 21.02%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.53%
Net Income 247.00K
Net Interest Spread 3.08%
Operating Profit to Average Assets 0.64%
Overhead Efficiency Ratio 79.89%
Return on Assets 0.55%
Return on Equity 7.59%