Side-by-side · Q2 2026 data
Security Financial 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 | Security Financial Bank | Ladysmith Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 61 (stronger) | 45 |
| Capital cushion | 47 (stronger) | 42 |
| Loan quality | 52 (stronger) | 32 |
| Earnings | 85 (stronger) | 43 |
| Funding & liquidity | 62 (stronger) | 60 |
| Problem-loan coverage | 79 (stronger) | 64 |
| Peer percentile | 24th | 6th |
| Total assets | $1.0B | $93.2M |
| Deposits / shares | $827.5M | $72.3M |
| Capital ratio | 9.67% (stronger) | 9.18% |
| Problem loans | 1.44% (stronger) | 2.03% |
| Net charge-offs | 0.05% (stronger) | 0.09% |
| Return on assets | 1.64% (stronger) | 0.57% |
| Loans ÷ deposits | 90.3% (stronger) | 99.9% |
| Uninsured deposits | 22.0% | 4.6% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.0% | — |
Security Financial Bank has the higher TellerScore (61 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Security Financial Bank leads on 6 and Ladysmith Federal Savings and Loan Association on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ladysmith, WI