Ladysmith Federal Savings & Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ladysmith Federal Savings & Loan Association of Ladysmith, WI against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.45% | 3.14% | -2.69% | 24th bottom |
| ROAE | 5.54% | 10.43% | -4.89% | 34th below |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 34th below |
| Efficiency Ratio | 83.34% | 76.28% | +7.06% | 25th below |
| PPNR / Avg Assets | 0.53% | 1.40% | -0.87% | 20th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.28% | 5.35% | -0.07% | 53rd above |
| Cost of Funds | 2.11% | 1.70% | +0.41% | 24th bottom |
| Net Interest Spread | 3.23% | 3.31% | -0.08% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 1.34% | +1.02% | 14th bottom |
| NPA / Total Assets | 1.85% | 0.71% | +1.14% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.81% | 1.49% | -0.68% | 15th bottom |
| ACL / NPLs (Coverage) | 34.30% | 867.32% | -833.02% | 10th bottom |
| Texas Ratio | 21.18% | 8.22% | +12.96% | 7th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 136.36% | 315.50% | -179.14% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.18% | 17.63% | -8.45% | 11th bottom |
| Equity / Assets | 8.17% | 16.44% | -8.27% | 10th bottom |
| TCE / Tangible Assets | 8.17% | 16.19% | -8.02% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.72% | 72.76% | +27.96% | 9th bottom |
| Core Deposit Ratio | 92.53% | 88.20% | +4.33% | 57th above |
| Wholesale Funding Ratio | 13.65% | 5.22% | +8.43% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.39% | 4.30% | +0.09% | 60th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 6.73% | -0.98% | 63rd above |
| Deposit Growth (Y/Y) | 6.17% | 3.76% | +2.41% | 70th above |
See Ladysmith Federal Savings & Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ladysmith Federal Savings & Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ladysmith Federal Savings & Loan Association profile, how to read a UBPR, or how this data updates.