BlastPoint's Banking Scorecard
Ladysmith Federal Savings and Loan Association
Micro
Specialty: Mortgage
WI
FDIC cert 28983
Designations: ✓ Community bank ✓ Mutual
Ladysmith, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Ladysmith Federal Savings and Loan Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.47% above tier
- - Nonperforming Asset Ratio 1.23% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.0M
+5.1% YoY
+1.4% QoQ
|
-$123.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$72.1M
+6.8% YoY
+1.4% QoQ
|
-$67.1M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$71.4M
+8.0% YoY
+3.0% QoQ
|
-$112.3M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.55%
+25.2% YoY
+12.1% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.28%
+9.1% YoY
+2.3% QoQ
|
-0.58% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
76.62%
-6.3% YoY
-5.9% QoQ
|
+8.90% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
1.77%
+97.5% YoY
+26.7% QoQ
|
+1.13% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
100.99%
-1.1% YoY
-1.6% QoQ
|
+26.47% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.48%
+3.5% YoY
-1.0% QoQ
|
-6.92% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.68%
+65.6% YoY
+20.1% QoQ
|
+1.23% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
15.70%
+3.6% YoY
+0.3% QoQ
|
+6.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.44%
+1.6% YoY
+96.7% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.99%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.68%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
26
26th pctile
Efficiency Ratio
Current: 76.62% · Tier avg: 67.73%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.48% · Tier avg: 22.39%
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
21
21th pctile
Total Assets
Current: $94.0M · Tier avg: $217.5M
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $71.4M · Tier avg: $183.7M
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.99% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.99% · Tier avg: 74.53%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
18
18th pctile
Total Deposits
Current: $71.4M · Tier avg: $183.7M
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
21
21th pctile
Total Assets
Current: $94.0M · Tier avg: $217.5M
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.48% · Tier avg: 22.39%
26
26th pctile
Efficiency Ratio
Current: 76.62% · Tier avg: 67.73%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 8.85%