Ladysmith Federal Savings & Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 1.45 percentage points in Q2 2026, from 13.41% to 14.86%. It was the largest change from Q1 2026 among the key lines here. Ladysmith Federal Savings & Loan Association has the 11th lowest return on assets of the 153 banks headquartered in Wisconsin, at 0.45% as of Q2 2026. Ladysmith Federal Savings & Loan Association's return on assets of 0.45% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.54 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.18% |
| Equity capital to assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.85% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 21.18% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 34.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 5.54% |
| Net interest margin | 3.55% |
| Efficiency ratio | 83.34% |
| Yield on earning assets | 5.28% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.72% |
| Core deposits to total deposits | 92.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.63% |
| Securities to assets | 14.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.00% | 16.00% | 16.98% | 9.62% | 0.71% |
| Q4 2023 | 15.58% | 15.58% | 16.52% | 9.32% | 0.49% |
| Q1 2024 | 15.77% | 15.77% | 16.83% | 9.24% | 0.51% |
| Q2 2024 | 15.17% | 15.17% | 16.16% | 9.08% | 0.44% |
| Q3 2024 | 15.14% | 15.14% | 16.19% | 8.80% | 0.62% |
| Q4 2024 | 15.16% | 15.16% | 16.22% | 8.81% | 0.23% |
| Q1 2025 | 15.50% | 15.50% | 16.57% | 8.88% | 0.49% |
| Q2 2025 | 15.96% | 15.96% | 17.04% | 9.14% | 0.62% |
| Q3 2025 | 15.65% | 15.65% | 16.72% | 9.10% | 0.38% |
| Q4 2025 | 15.70% | 15.70% | 16.79% | 9.11% | 0.74% |
| Q1 2026 | — | — | — | 9.17% | 0.69% |
| Q2 2026 | — | — | — | 9.18% | 0.45% |
Ladysmith Federal Savings & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ladysmith Federal Savings & Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)