Ladysmith Federal Savings & Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.64 percentage points in Q2 2026, from 54.26% to 50.62%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Ladysmith Federal Savings & Loan Association is 32nd of 153 on loan-to-deposit ratio, 100.72% as of Q2 2026, above the middle of the field. Ladysmith Federal Savings & Loan Association reported 100.72% on loan-to-deposit ratio for Q2 2026, 32.80 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $72.9M |
| Net loans and leases | $72.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.19% |
| Loan-to-deposit ratio | 100.72% |
| Net loans to equity capital | 9.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.76% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.35% |
| Consumer | 7.37% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.62% |
| Construction concentration (Tier 1 capital + allowance) | 50.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.87% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $58.6M | $67.7M | 5.19% | 5.59% | 11.81% |
| Q4 2023 | $60.4M | $65.9M | 5.09% | 5.50% | 11.64% |
| Q1 2024 | $62.5M | $64.7M | 4.80% | 5.01% | 11.24% |
| Q2 2024 | $65.9M | $66.3M | 4.47% | 6.12% | 10.97% |
| Q3 2024 | $68.2M | $65.1M | 4.09% | 6.13% | 10.52% |
| Q4 2024 | $68.0M | $66.1M | 4.04% | 5.76% | 10.62% |
| Q1 2025 | $67.9M | $65.5M | 3.80% | 6.30% | 9.83% |
| Q2 2025 | $68.9M | $68.1M | 3.68% | 6.16% | 9.57% |
| Q3 2025 | $71.7M | $69.3M | 3.44% | 6.77% | 9.19% |
| Q4 2025 | $72.7M | $71.4M | 3.00% | 7.63% | 8.58% |
| Q1 2026 | $72.0M | $70.6M | 3.00% | 8.97% | 8.04% |
| Q2 2026 | $72.9M | $72.3M | 2.76% | 10.35% | 7.37% |
Ladysmith Federal Savings & Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ladysmith Federal Savings & Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ladysmith Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28983) · FFIEC NIC profile (RSSD 686570)