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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Overview / Commentary
Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 189th largest bank in the state of Wisconsin. It is also the 4,815th largest bank in the nation. It was established in 1934 and as of June of 2019, 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 Q2 2019
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 | 0.73% |
| Return on Equity - YTD | 6.67% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $52.3MM$52.8MM |
| Loans | Q2 2019vs Q2 2018 | $38.8MM$36.5MM |
| Deposits | Q2 2019vs Q2 2018 | $44.4MM$46.4MM |
| Equity Capital | Q2 2019vs Q2 2018 | $5.9MM$5.4MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $418.00K$328.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $340.00K$636.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $800.00K$585.00K |
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 | |
| 1.87% | $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 |