C
Ladysmith Federal Savings & Loan Association
Rating Date
June 2025
Risk Based
Capital Ratio
16.57
Leverage
Ratio
8.88
Return On
Assets
0.49%
Total
Assets
89.80M
Capital
6.53M
Total
Deposits
65.54M
Net
Income
109.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 6.90
Liquidity Index 2.70
Profitability Index 2.90
Stability Index 3.90
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 5.51%
5-Year Asset Growth 11.99%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 1.44%
Non-Performing Loans to Capital 8.33%
Non-Performing Loans to Loans 1.46%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 89.80M
Total Deposits 65.54M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 6.53M
Leverage Ratio 8.88
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio 16.57
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 20.23%
Liquidity Ratio 22.73%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.53%
Net Income 109.00K
Net Interest Spread 3.06%
Operating Profit to Average Assets 0.55%
Overhead Efficiency Ratio 81.82%
Return on Assets 0.49%
Return on Equity 6.79%