Ladysmith Federal Savings and Loan Association: how it compares with its peers
Against 28 WI banks with half to twice its assets, Ladysmith Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $6.7M peer median). Its weakest relative measure is return on assets (0.57% vs. 1.22%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 1.22% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.87% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.15% | 64.61% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.7M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.91% | 80.53% | Context |
What it means for lending operations
Its efficiency ratio of 79.15% is above the 64.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community First Bank Rosholt, WI · $98M
- Superior Savings Bank Superior, WI · $99M
- Black River Country Bank Black River Falls, WI · $102M
- Independence State Bank Independence, WI · $84M
- Mayville Savings Bank Mayville, WI · $84M
- The International Bank of Amherst Amherst, WI · $104M
Questions about Ladysmith Federal Savings and Loan Association
How big is Ladysmith Federal Savings and Loan Association?
Ladysmith Federal Savings and Loan Association, established in 1934, is headquartered in Ladysmith, WI. It reported $93M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Ladysmith Federal Savings and Loan Association's return on assets?
0.57% annualized in Q2 2026, against a 1.22% median for 28 WI banks with half to twice its assets, ahead of 7% of them.
What is Ladysmith Federal Savings and Loan Association's efficiency ratio?
79.15% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 64.61%, and lower is better.
Is Ladysmith Federal Savings and Loan Association growing its loans?
Net loans grew 5.7% over the year to Q2 2026, while deposits grew 6.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.