Bank Safety Analysis
Is Ladysmith Federal Savings & Loan Association Safe?
Ladysmith Federal Savings & Loan Association meets regulatory minimums but is on the watch band for 2 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Texas ratio fell 6.13 percentage points from Q1 2026 to Q2 2026, ending at 21.18% against 27.31%. It was the largest change among the key lines on this page. Ladysmith Federal Savings & Loan Association ranks 132nd of 153 Wisconsin banks on leverage ratio, in the lower half at 9.18% (Q2 2026). The median for banks in the < $100M asset tier is 12.62% on leverage ratio. Ladysmith Federal Savings & Loan Association sits 3.45 points lower, at 9.18% (Q2 2026). From Q3 2023 to Q2 2026, Ladysmith Federal Savings & Loan Association's CET1 ratio ranged between 15.14% (Q3 2024) and 16.00% (Q3 2023) and its Texas ratio ranged between 15.47% (Q3 2024) and 27.31% (Q1 2026). Compared with Q2 2025, Ladysmith Federal Savings & Loan Association's noncurrent loans to total loans from 1.80% to 2.36%, Texas ratio from 21.33% to 21.18%, return on assets from 0.62% to 0.45% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.18% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.18% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.36% are elevated; merits closer attention.
Texas Ratio of 21.2% is well below the 100% historical failure threshold.
Efficiency ratio of 83.3% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 21.18% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.36% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 100.72% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 50.62% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 10 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2025 | 15.70% |
| Q3 2025 | 15.65% |
| Q2 2025 | 15.96% |
| Q1 2025 | 15.50% |
| Q4 2024 | 15.16% |
| Q3 2024 | 15.14% |
| Q2 2024 | 15.17% |
| Q1 2024 | 15.77% |
| Q4 2023 | 15.58% |
| Q3 2023 | 16.00% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 21.18% |
| Q1 2026 | 27.31% |
| Q4 2025 | 23.17% |
| Q3 2025 | 20.41% |
| Q2 2025 | 21.33% |
| Q1 2025 | 18.23% |
| Q4 2024 | 17.42% |
| Q3 2024 | 15.47% |
| Q2 2024 | 16.31% |
| Q1 2024 | 17.29% |
| Q4 2023 | 17.95% |
| Q3 2023 | 24.78% |
Ladysmith Federal Savings & Loan Association by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.36% | 21.18% | 0.45% |
| Mar 31, 2026 | — | 2.44% | 27.31% | 0.69% |
| Dec 31, 2025 | 15.70% | 1.77% | 23.17% | 0.74% |
| Sep 30, 2025 | 15.65% | 1.77% | 20.41% | 0.38% |
| Jun 30, 2025 | 15.96% | 1.80% | 21.33% | 0.62% |
| Mar 31, 2025 | 15.50% | 1.46% | 18.23% | 0.49% |
| Dec 31, 2024 | 15.16% | 1.31% | 17.42% | 0.23% |
| Sep 30, 2024 | 15.14% | 1.17% | 15.47% | 0.62% |
| Jun 30, 2024 | 15.17% | 1.18% | 16.31% | 0.44% |
| Mar 31, 2024 | 15.77% | 1.28% | 17.29% | 0.51% |
| Dec 31, 2023 | 15.58% | 1.38% | 17.95% | 0.49% |
| Sep 30, 2023 | 16.00% | 1.75% | 24.78% | 0.71% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Ladysmith Federal Savings & Loan Association FDIC insured?
Yes. Ladysmith Federal Savings & Loan Association is an FDIC-insured commercial bank (FDIC Certificate #28983). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Ladysmith Federal Savings & Loan Association well capitalized?
Yes. Ladysmith Federal Savings & Loan Association reports a Community Bank Leverage Ratio of 9.18%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Ladysmith Federal Savings & Loan Association's nonperforming loan ratio?
As of the most recent call report, Ladysmith Federal Savings & Loan Association's nonperforming loan ratio is 2.36%. Nonperforming loans at 2.36% are elevated; merits closer attention.
What is Ladysmith Federal Savings & Loan Association's Texas Ratio?
Ladysmith Federal Savings & Loan Association's Texas Ratio is 21.18%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.