BlastPoint's Banking Scorecard

Ladysmith Federal Savings and Loan Association

under $100M Specialty: Mortgage WI FDIC cert 28983

Designations: ✓ Community bank ✓ Mutual

Ladysmith, WI

541 banks in the under $100M peer group nationally 11 in WI

Ladysmith Federal Savings and Loan Association has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 13.94% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 36.92% above tier average
- Nonperforming Asset Ratio 1.35% above tier average
- ROA 0.15% below tier average
- Net Interest Margin 0.15% below tier average
- Delinquency Rate 0.72% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$91.9M +2.3% YoY -2.2% QoQ	+$29.7M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 10.7% in tier
Total Loans ?	$71.4M +6.0% YoY -0.9% QoQ	+$37.2M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 4.3% in tier
Total Deposits ?	$70.6M +7.7% YoY -1.1% QoQ	+$18.9M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	0.69% +41.5% YoY +24.9% QoQ	-0.15%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.71% +19.4% YoY +13.2% QoQ	-0.15%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	74.40% -9.1% YoY -2.9% QoQ	-13.94%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	2.09% +98.7% YoY +18.0% QoQ	+0.72%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	101.13% -1.6% YoY +0.1% QoQ	+36.92%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 6.3% in tier
Non-Interest-Bearing Deposit Share ?	15.05% +6.1% YoY -2.7% QoQ	-8.66%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	2.14% +90.0% YoY +27.2% QoQ	+1.35%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 9.4% in tier
Tier 1 Capital Ratio ?	9.17% -40.8% YoY -41.6% QoQ	-17.51%	26.68% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 1.8% in tier
Non-Interest Income / Assets ?	0.15% +51.5% YoY -65.5% QoQ	-0.52%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $71.40M

Peer Median: $34.25M

#24 of 541 Top 4.3% in under $100M

Total Assets

size

Value: $91.88M

Peer Median: $62.16M

#59 of 541 Top 10.7% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#86 of 541 Top 15.7% in under $100M

136

Total Deposits

size

Value: $70.60M

Peer Median: $51.74M

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (5 metrics)

532

Tier 1 Capital Ratio

capital

Value: 9.17%

Peer Median: 26.68%

#532 of 541 Bottom 1.8% in under $100M

508

Loan-to-Deposit Ratio

liquidity

Value: 101.13%

Peer Median: 64.22%

#508 of 541 Bottom 6.3% in under $100M

491

Nonperforming Asset Ratio

credit_quality

Value: 2.14%

Peer Median: 0.79%

#491 of 541 Bottom 9.4% in under $100M

412

Delinquency Rate

credit_quality

Value: 2.09%

Peer Median: 1.37%

#412 of 521 Bottom 21.1% in under $100M

409

Non-Interest-Bearing Deposit Share

funding

Value: 15.05%

Peer Median: 23.71%

#409 of 541 Bottom 24.6% in under $100M