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
Unfavorable gap of $2.4M · efficiency ratio beats 14% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.85% | 1.17% | 1.51% | Beats 12% | 100 / 113 | |
| Return on Equity | 6.96% | 7.70% | 10.77% | 13.67% | Beats 21% | 89 / 113 | |
| Net Interest Margin | 3.29% | 3.19% | 3.59% | 3.89% | Beats 32% | 77 / 113 | |
| Efficiency Ratio | 79.15% | 54.61% | 62.43% | 71.88% | Beats 14% | 98 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.03% | 0.24% | 0.91% | Beats 10% | 100 / 110 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.01% | Beats 11% | 99 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 9.18% | 11.22% | 12.95% | 15.76% | Beats 3% | 110 / 113 | |
| Total Risk-Based Capital Ratio | 9.18% | 11.57% | 13.59% | 16.73% | Beats 3% | 110 / 113 | |
| Equity / Assets | 8.17% | 9.17% | 10.74% | 13.13% | Beats 12% | 99 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 100.72% | 76.54% | 86.37% | 98.93% | 79th pctl | 23 / 112 | |
| Loans / Assets | 78.19% | 63.07% | 71.33% | 78.84% | 72nd pctl | 32 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |