C
Ladysmith Federal Savings & Loan Association
Rating Date
June 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.17
Return On
Assets
0.69%
Total
Assets
91.88M
Capital
7.55M
Total
Deposits
70.60M
Net
Income
160.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 3.70
Capitalization Index 7.30
Liquidity Index 2.20
Profitability Index 3.50
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 2.32%
5-Year Asset Growth 5.56%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 2.42%
Non-Performing Loans to Capital 16.41%
Non-Performing Loans to Loans 2.44%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 91.88M
Total Deposits 70.60M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 7.55M
Leverage Ratio 9.17
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio --
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 20.82%
Liquidity Ratio 20.10%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.52%
Net Income 160.00K
Net Interest Spread 3.62%
Operating Profit to Average Assets 0.82%
Overhead Efficiency Ratio 74.40%
Return on Assets 0.69%
Return on Equity 8.57%