C
Ladysmith Federal Savings & Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
16.72
Leverage
Ratio
9.10
Return On
Assets
0.50%
Total
Assets
92.64M
Capital
7.14M
Total
Deposits
69.26M
Net
Income
333.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 7.20
Liquidity Index 2.60
Profitability Index 2.70
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 4.31%
5-Year Asset Growth 11.99%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 1.70%
Non-Performing Loans to Capital 11.38%
Non-Performing Loans to Loans 1.77%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 92.64M
Total Deposits 69.26M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 7.14M
Leverage Ratio 9.10
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio 16.72
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 16.33%
Liquidity Ratio 21.32%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.53%
Net Income 333.00K
Net Interest Spread 3.15%
Operating Profit to Average Assets 0.57%
Overhead Efficiency Ratio 81.40%
Return on Assets 0.50%
Return on Equity 6.68%