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Ladysmith Federal Savings & Loan Association

Ladysmith, WI · Cert 28983

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ladysmith Federal Savings & Loan Association

Ladysmith, WI · Cert 28983

State savings bank · OCC · 1 branch

Q2 2026

$93.2MAssets
$72.9MLoans
$72.3MDeposits
$7.6MEquity
Loan mix
83%RE $59.7M9%C&I $6.5M8%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $60.9M16%Noninterest $11.5MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.76%Q2 ’254.85%Q2 ’260%+12%

Non-interest income vs. expense

2.69%Q2 ’242.73%Q2 ’252.90%Q2 ’26-2%+12%

Executive Summary

  • Earnings: ROA of 0.57%, up 2 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 2.03% of loans (+64 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.18%, up 3 bps from a year ago.
  • Funding: loans stand at 100.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+35 bps YoY

Efficiency Ratio (YTD, annualized)

79.15%-74 bps YoY

Tier 1 Leverage Ratio

9.18%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.49%0.55%0.69%0.57%+2 bps
Return on Equity7.60%6.66%7.38%8.57%7.05%-54 bps
Net Interest Margin2.94%2.96%2.98%3.36%3.29%+35 bps
Efficiency Ratio79.89%81.40%76.62%74.40%79.15%-74 bps
Non-Interest Burden2.25%2.36%2.18%2.35%2.52%+27 bps
Growth
Asset Growth (YoY)-0.65%4.31%5.14%2.32%4.39%+504 bps
Loan Growth (YoY)4.62%5.10%6.78%6.03%5.75%+113 bps
Deposit Growth (YoY)2.73%6.45%7.98%7.72%6.17%+344 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.39%1.76%2.08%2.03%+64 bps
Net Charge-Offs / Loans0.04%0.02%0.02%0.18%0.09%+5 bps
Allowance / Loans0.80%0.78%0.80%0.82%0.81%+1 bps
Allowance Coverage of NPLs0.6x0.6x0.5x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio9.14%9.10%9.11%9.17%9.18%+3 bps
Total Risk-Based Capital17.04%16.72%16.79%9.17%9.18%-787 bps
Equity / Assets7.48%7.71%7.85%8.22%8.17%+69 bps
Liquidity & Funding
Loans / Deposits101.12%103.47%101.80%101.96%100.72%-40 bps
Liquid Assets / Assets1.40%0.00%0.00%0.00%0.00%-140 bps
CRE / Total Capitaln/a81.52%80.70%83.38%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ladysmith Federal Savings & Loan Association

Ladysmith, WI · Cert 28983 · Peer group: banks under $1B in assets in WI (n=110-113)

State savings bank · OCC · 1 branch

Q2 2026

$93.2MAssets
$72.9MLoans
$72.3MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 32% of banks under $1B in assets in WI (rank 77 of 113).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in WI (rank 110 of 113).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.57%

Rank 100 of 113

Net Interest Margin

3.29%

Rank 77 of 113

Efficiency Ratio

79.15%

Rank 98 of 113

Equity / Assets

8.17%

Rank 99 of 113

Non-interest income vs. expense

$0.4M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 14% of banks under $1B in assets in WI
Bank 79.15%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.85%1.17%1.51%Beats 12%100 / 113
Return on Equity6.96%7.70%10.77%13.67%Beats 21%89 / 113
Net Interest Margin3.29%3.19%3.59%3.89%Beats 32%77 / 113
Efficiency Ratio79.15%54.61%62.43%71.88%Beats 14%98 / 113
Asset Quality
Nonperforming Loans / Loans2.03%0.03%0.24%0.91%Beats 10%100 / 110
Net Charge-Offs / Loans0.05%n/a0.00%0.01%Beats 11%99 / 110
Capital
Tier 1 Capital Ratio9.18%11.22%12.95%15.76%Beats 3%110 / 113
Total Risk-Based Capital Ratio9.18%11.57%13.59%16.73%Beats 3%110 / 113
Equity / Assets8.17%9.17%10.74%13.13%Beats 12%99 / 113
Liquidity & Funding
Loans / Deposits100.72%76.54%86.37%98.93%79th pctl23 / 112
Loans / Assets78.19%63.07%71.33%78.84%72nd pctl32 / 113
Brokered Deposits / Depositsn/aNot reported for this institution