Banks LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION

LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION

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

LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION is an 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%. CET1 capital ratio: 15.70%, well above regulatory minimums. NPL ratio: 1.41% · Texas Ratio: 16.63%.

Assets
$94M
Deposits
$71M
Loans
$73M
Equity
$7M

Profitability

Return on Assets (ROA)0.72%
Return on Equity (ROE)9.31%
Net Interest Margin3.43%
Yield on Assets5.22%
Cost of Funds1.84%

Asset Quality

NPL Ratio1.41%
Net Charge-Off Ratio0.02%
Texas Ratio16.63%
NPA Ratio1.41%
ACL / Loans0.80%

Capital & Liquidity

CET1 Ratio15.70%
Tier 1 Capital15.70%
Total Capital Ratio16.79%
Leverage Ratio9.11%
Loan-to-Deposit101.80%

This is just the summary.

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