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Ladysmith Federal Savings And Loan Association
Ladysmith, WI · FDIC Certificate #28983 · Chartered 06/0
Total assets
$93.18M
Total deposits
$72.34M
Total equity
$7.61M
Net loans
$72.27M
Branches (offices)
1
Net income (YTD)
$265.00K
Rank: #3,728 of 4,213 U.S. banks by assets · #144 of 153 in Wisconsin. Assets changed 4.4% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.57% |
| Return on equity | 7.05% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 8.17% |
| Tier 1 leverage ratio | 9.18% |
| Uninsured deposits (share of deposits) | 4.6% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 99.9% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.95M | 82.9% | |
| Commercial & industrial | $7.54M | 10.4% | |
| Consumer / individual | $5.37M | 7.4% | |
| Construction & development | $4.66M | 6.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $75.68M | $69.99M | $124.00K | $5.15M |
| Jun 2023 | $79.86M | $68.40M | $141.00K | $5.34M |
| Jun 2024 | $89.85M | $66.33M | $197.00K | $6.09M |
| Jun 2025 | $89.26M | $68.14M | $247.00K | $6.68M |
| Jun 2026 | $93.18M | $72.34M | $265.00K | $7.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $72.34M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $72.34M.
Similar-sized banks
Triumph State Bank ($93.30M) · First Farmers & Merchants State Bank Of Grand Meadow ($93.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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