Total Assets
$94M
Total balance-sheet footings
FDIC Cert #28983 · Ladysmith, Wisconsin · Est. 1934
Ladysmith Federal Savings and Loan Association - FDIC Bank Health Profile
A community-scale look at Ladysmith Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $94M
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
Ladysmith Federal Savings and Loan Association earns a PlainBankData health grade of B (68/100), with well-capitalized at 15.70% Tier 1, 0.55% ROA, 77% efficiency ratio.
- #3,787
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 15.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Ladysmith Federal Savings and Loan Association's 68/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Ladysmith Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (15.70%) 40/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (16.07%) 10/20
Efficiency Ratio (76.62%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$71M
Customer-funded liabilities
Net Loans
$72M
Outstanding loan book
Net Income
$502K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ladysmith Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ladysmith Federal Savings and Loan Association's score of 68/100 falls in the highlighted band.
Ladysmith Federal Savings and Loan Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ladysmith Federal Savings and Loan Association's $94M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.70%
Texas Ratio
16.07%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
7.38%
Efficiency Ratio
76.62%
What the numbers say about Ladysmith Federal Savings and Loan Association
Ladysmith Federal Savings and Loan Association is an FDIC-insured institution (Certificate #28983) headquartered in Ladysmith, Wisconsin, established in 1934. It holds $94M in total assets - 3,787th of 4,313 FDIC-insured banks, $71M in customer deposits, and $72M in net loans. Its capital position: a Tier 1 ratio of 15.70%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.07% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (68 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Ladysmith Federal Savings and Loan Association is a community-scale institution -- 145th of 155 FDIC-insured banks headquartered in Wisconsin by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$409K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ladysmith Federal Savings and Loan Association reports a Texas Ratio of 16.07% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ladysmith Federal Savings and Loan Association (FDIC Cert #28983) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Ladysmith Federal Savings and Loan Association's health grade?▼
Ladysmith Federal Savings and Loan Association receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Ladysmith Federal Savings and Loan Association?▼
Ladysmith Federal Savings and Loan Association holds $94M in total assets and $71M in deposits, ranking 3,787th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ladysmith, Wisconsin.
Is my money safe at Ladysmith Federal Savings and Loan Association?▼
Yes, deposits at Ladysmith Federal Savings and Loan Association (Certificate #28983) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ladysmith Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Ladysmith Federal Savings and Loan Association has a Tier 1 Capital Ratio of 15.70%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Ladysmith Federal Savings and Loan Association?▼
Ladysmith Federal Savings and Loan Association has a Texas Ratio of 16.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Ladysmith Federal Savings and Loan Association?▼
Ladysmith Federal Savings and Loan Association has an Efficiency Ratio of 76.62%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ladysmith Federal Savings and Loan Association's profile as a depositor or analyst.
- Ladysmith Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ladysmith Federal Savings and Loan Association against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.