Ladysmith Federal Savings and Loan Association
LOCATIONS
1
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HEALTH RATING
B
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CURRENT TOP RATE
2.27% APY
5 Year CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.27% | 5-year CD | |
| 1.38% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
| 0.15% | Savings | 2.00% - Ally Bank Online Savings Account |
Overview / Commentary
Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 195th largest bank in the state of Wisconsin. It is also the 4,940th largest bank in the nation. It was established in 1934 and as of September of 2018, it had grown to 12 employees at 1 location. Ladysmith Federal Savings and Loan Association's CD rates are 53% higher than the national average, and it has a B health rating.
Health
B
Data as of Q3 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Ladysmith Federal Savings and Loan Association has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 28983 |
| Year Established | 1934 |
| Employees | 12 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 5.79% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $52.7MM$51.4MM |
| Loans | Q3 2018vs Q3 2017 | $36.5MM$32.5MM |
| Deposits | Q3 2018vs Q3 2017 | $46.3MM$45.1MM |
| Equity Capital | Q3 2018vs Q3 2017 | $5.4MM$5.3MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $321.00K$328.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $487.00K$773.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $705.00K$764.00K |
Rates
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Ladysmith Federal Savings and Loan Association Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | - | - | Christmas Club | |
| 1.00% | - | - | Junior Savings Club | |
| 0.15% | $100 | - | Passbook Savings | |
| 0.15% | $100 | - | Statement Savings |
Ladysmith Federal Savings and Loan Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.39% | $1k | - | Money Market Account |
Ladysmith Federal Savings and Loan Association Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.27% | $250 | - | Gold & Platinum Checking | |
| 0.27% | - | - | Red, White & Blue Checking |
Ladysmith Federal Savings and Loan Association CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.27% | $1k | - | 5 Year CD | |
| 1.99% | $1k | - | 4 Year CD | |
| 1.87% | $1k | - | 3 Year CD | |
| 1.59% | $1k | - | 2 Year CD | |
| 1.38% | $1k | - | 1 Year CD | |
| 0.73% | $1k | - | 6 Month CD | |
| 0.53% | $1k | - | 3 Month CD |
Locations
| Ladysmith Federal Savings and Loan Association Locations | ||
|---|---|---|
| Ladysmith Federal Savings and Loan Association | 119 West 4th Street North | Ladysmith, WI 54848 |