Ladysmith Federal Savings and Loan Association
Ladysmith, WI
IDRSSD: 686570
Total Assets
$93.96M
Latest filing
Total Deposits
$71.36M
Latest filing
Net Interest Margin
3.52%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ladysmith Federal Savings and Loan Association
119 W 4th St N
Ladysmith, WI 54848
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1934FDIC Certificate 41817
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Ladysmith Federal Savings and Loan Association (Main) | 119 W 4th St N | Ladysmith, WI | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 06/01/1934 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 54848 |
| State and County Number | 55107 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.ladysmithfederal.com |
| Data Updated | 01/30/2026 |
| CERT | 28983 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $93.96M |
| Total Deposits | $71.36M |
| Total Liabilities | $86.58M |
| Total Equity Capital | $7.38M |
| Net Income | $169.00k |
| Net Loans and Leases | $72.07M |
| Assets Per Employee ($Millions) | $7.83M |
| Bank Premises and Fixed Assets | $579.00k |
| Cash and Balances due from Depository Institutions | $6.33M |
| Deposits Held in Domestic Offices | $71.36M |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 9.31% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 65.43% |
| Tier 1 Risk-Based Capital Ratio | 15.701% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.85% |
| Earning Assets to total Assets | 89.96% |
Income and Expense
| Total Interest Income | $1.12M |
| Total Noninterest Income | $204.00k |
| Total Interest Expense | $385.00k |
| Total Noninterest Expense | $615.00k |
| Net Interest Income | $736.00k |
| Pre-tax Net Operating Income | $304.00k |
| Provision for Credit Losses | $21.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $301.00k |
| Other borrowed funds | $12.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.16M |
| All Other Liabilities | $260.00k |
| Total Liabilities and Capital | $93.96M |
Securities
| Securities | $12.45M |
| Available-for-sale debt securities | $12.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ladysmith Federal Savings and Loan Association?
$93.96M as of the latest filing.
How much are Ladysmith Federal Savings and Loan Association's total deposits?
$71.36M in total deposits.
Where is Ladysmith Federal Savings and Loan Association located?
Ladysmith, WI.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
1.
When was it established?
06/01/1934.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$72.07M (latest filing).
What is the total interest income (latest filing)?
$1.12M.