LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION

LADYSMITH, WI | Micro | Est. June 1, 1934, midnight | FDIC #28983 | RSSD #686570 | OCC
Latest Report: 2025-12-31

LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in LADYSMITH, WI, established in June 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $71M. Profitability stands at 0.72% ROA and 9.31% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 15.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.41% and a Texas Ratio of 16.63%. FDIC Certificate #28983.

Assets

$94M

Deposits

$71M

Loans

$73M

Equity

$7M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 9.31%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.22%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 1.41%
Net Charge-Off Ratio 0.02%
Texas Ratio 16.63%
NPA Ratio 1.41%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 15.70%
Tier 1 Capital 15.70%
Total Capital Ratio 16.79%
Leverage Ratio 9.11%
Loan-to-Deposit 101.80%

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