Ladysmith Federal Savings and Loan Association


Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.27%5-year CD5 Year CD
1.00%1-year CD1 Year CD
0.15%SavingsStatement Savings

Overview / Commentary
715-532-3389
119 West 4th Street North
Ladysmith, WI 54848

Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 199th largest bank in the state of Wisconsin. It is also the 4,991st largest bank in the nation. It was established in 1934 and as of June of 2018, it had grown to 11 employees at 1 location. Ladysmith Federal Savings and Loan Association's CD rates are 11% higher than the national average, and it has a B health rating.

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Health
Additional 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 Established1934
Employees11
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD5.87%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$52.8MM$50.9MM
LoansQ2 2018vs Q2 2017$36.5MM$31.9MM
DepositsQ2 2018vs Q2 2017$46.4MM$45.3MM
Equity CapitalQ2 2018vs Q2 2017$5.4MM$5.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$328.00K$403.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$636.00K$941.00K
Real Estate OwnedQ2 2018vs Q2 2017$585.00K$777.00K
Rates
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Ladysmith Federal Savings and Loan Association Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Junior Savings Club
0.75%--Christmas Club
0.15%$100-Passbook Savings
0.15%$100-Statement Savings

Ladysmith Federal Savings and Loan Association Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.39%$1k-Money Market Account

Ladysmith Federal Savings and Loan Association Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.27%$250-Gold & Platinum Checking
0.27%--Red, White & Blue Checking

Ladysmith Federal Savings and Loan Association CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$1k-5 Year CD
1.99%$1k-4 Year CD
1.87%$1k-3 Year CD
1.49%$1k-2 Year CD
1.00%$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 Association119 West 4th Street NorthLadysmith, WI 54848

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