Side-by-side · Q2 2026 data
Citizens State Bank vs Ladysmith Federal Savings and Loan Association
Bank
Ladysmith Federal Savings and Loan Association
Ladysmith, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | Ladysmith Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 58 (stronger) | 45 |
| Capital cushion | 38 | 42 (stronger) |
| Loan quality | 67 (stronger) | 32 |
| Earnings | 68 (stronger) | 43 |
| Funding & liquidity | 58 | 60 (stronger) |
| Problem-loan coverage | 80 (stronger) | 64 |
| Peer percentile | 16th | 6th |
| Total assets | $237.6M | $93.2M |
| Deposits / shares | $196.8M | $72.3M |
| Capital ratio | 8.77% | 9.18% (stronger) |
| Problem loans | 0.99% (stronger) | 2.03% |
| Net charge-offs | -0.00% (stronger) | 0.09% |
| Return on assets | 1.21% (stronger) | 0.57% |
| Loans ÷ deposits | 100.5% | 99.9% (stronger) |
| Uninsured deposits | 16.9% | 4.6% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (58 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Ladysmith Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.