Ladysmith Federal Savings and Loan Association (FDIC certificate #28983) is based in Ladysmith, Wisconsin. Its Q2 2026 call report shows $93.2M in total assets and $72.3M in deposits and 1 office.
Based on its Q2 2026 filing, Ladysmith Federal Savings and Loan Association scores 45/100, which we describe as below average. That is higher than only 6% of 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 148th. Its strongest component is problem-loan coverage (64/100; 18.0%), and its lowest is loan quality (32/100; 2.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (49 → 45), mostly because the loan quality component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 54 |
| Q4 2024 | 53 |
| Q1 2025 | 52 |
| Q2 2025 | 49 |
| Q3 2025 | 49 |
| Q4 2025 | 46 |
| Q1 2026 | 44 |
| Q2 2026 | 45 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.08% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.81% |
| Q1 2025 | 8.88% |
| Q2 2025 | 9.14% |
| Q3 2025 | 9.10% |
| Q4 2025 | 9.11% |
| Q1 2026 | 9.17% |
| Q2 2026 | 9.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.76% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $93.2M | 9.18% | 2.03% | 0.57% | 99.9% |
| Q1 2026 | 44 | $91.9M | 9.17% | 2.08% | 0.69% | 101.1% |
| Q4 2025 | 46 | $94.0M | 9.11% | 1.76% | 0.55% | 101.0% |
| Q3 2025 | 49 | $92.6M | 9.10% | 1.39% | 0.49% | 102.7% |
| Q2 2025 | 49 | $89.3M | 9.14% | 1.40% | 0.55% | 100.3% |
| Q1 2025 | 52 | $89.8M | 8.88% | 1.04% | 0.49% | 102.7% |
| Q4 2024 | 53 | $89.4M | 8.81% | 0.89% | 0.44% | 102.1% |
| Q3 2024 | 54 | $88.8M | 8.80% | 0.75% | 0.51% | 104.0% |
| Q2 2024 | 56 | $89.8M | 9.08% | 0.73% | 0.45% | 98.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First BankBank Rosholt, WI | 75 out of 100, Strong | $97.6M | 11.0% | 0.00% | vs |
| Superior Savings BankBank Superior, WI | 74 out of 100, Strong | $98.8M | 16.3% | 1.15% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |
| Mayville Savings BankBank Mayville, WI | 86 out of 100, Very strong | $84.2M | 13.4% | 0.32% | vs |
| Hustisford State BankBank Hustisford, WI | 84 out of 100, Strong | $80.3M | 15.2% | 0.22% | vs |
| Bank of OntarioBank Ontario, WI | 51 out of 100, Below average | $79.0M | 13.9% | 8.53% | vs |
Deposit insurance
Is my money safe at Ladysmith Federal Savings and Loan Association?
Yes. Ladysmith Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.6% of deposits ($3.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Ladysmith Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Ladysmith, WI (1)
Identity & history
Profile
- Legal name
- Ladysmith Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 28983
- RSSD ID
- 686570
- Primary regulator
- OCC
- Established
- June 1, 1934
- Headquarters
- 119 W 4th St N, Ladysmith, WI 54848
- Website
- www.ladysmithfederal.com
- Employees
- 12
Quick answers
Ladysmith Federal Savings and Loan Association: common questions
Is Ladysmith Federal Savings and Loan Association FDIC insured?
Yes. Ladysmith Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ladysmith Federal Savings and Loan Association's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ladysmith Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #28983 in the FDIC failed bank list.
How many branches does Ladysmith Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ladysmith
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northwestern BankBank Chippewa Falls, WI | 80 out of 100, Strong | $725.6M | 11.2% | 0.03% | vs |
| Cumberland Federal Bank, FSBBank Cumberland, WI | 78 out of 100, Strong | $341.6M | 10.1% | 0.19% | vs |
| Chippewa Valley BankBank Hayward, WI | 74 out of 100, Strong | $735.8M | 8.7% | 0.22% | vs |
| Security Financial BankBank Durand, WI | 61 out of 100, Moderate | $1.0B | 9.7% | 1.44% | vs |
| Citizens State BankBank Cadott, WI | 58 out of 100, Moderate | $237.6M | 8.8% | 0.99% | vs |
| CCFBank National AssociationBank Altoona, WI | 50 out of 100, Below average | $1.8B | 11.2% | 2.28% | vs |