Ladysmith Federal Savings & Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 2.59%. Ladysmith Federal Savings & Loan Association ranks 109th of 153 Wisconsin banks on net interest margin, in the lower half at 3.55% (Q2 2026). Ladysmith Federal Savings & Loan Association reported 3.55% on net interest margin for Q2 2026, 0.34 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 5.87% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $377K |
| Interest expense on deposits | $259K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.36% | 1.10% | 3.36% | 4.97% | 2.24% |
| Q4 2023 | 4.38% | 1.63% | 3.02% | 5.06% | 2.47% |
| Q1 2024 | 4.44% | 1.63% | 3.14% | 5.22% | 2.06% |
| Q2 2024 | 4.71% | 2.22% | 2.97% | 5.55% | 1.75% |
| Q3 2024 | 4.83% | 2.25% | 3.10% | 5.62% | 2.01% |
| Q4 2024 | 4.86% | 3.07% | 2.55% | 5.70% | 1.90% |
| Q1 2025 | 4.94% | 2.48% | 3.06% | 5.71% | 2.08% |
| Q2 2025 | 4.97% | 2.39% | 3.11% | 5.67% | 2.13% |
| Q3 2025 | 5.10% | 2.25% | 3.30% | 5.75% | 2.10% |
| Q4 2025 | 5.22% | 2.19% | 3.45% | 5.80% | 2.43% |
| Q1 2026 | 5.25% | 2.01% | 3.62% | 5.82% | 2.42% |
| Q2 2026 | 5.28% | 2.11% | 3.55% | 5.87% | 2.59% |
Ladysmith Federal Savings & Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ladysmith Federal Savings & Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)