🏦Bank Scorer

LADYSMITH FEDERAL SAVINGS AND LOAN ASSOCIATION

LADYSMITH, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #28,983
Outstanding Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

119 W 4th St N, LADYSMITH, WI

County

Rusk County

Established

June 1, 1934

Total Assets

$92M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 31, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$92M

Total Deposits

$71M

Net Loans

$71M

Net Income

$160K

ROA

0.69%

ROE

8.57%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$68M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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