BlastPoint's Banking Scorecard
Ladysmith Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Ladysmith, WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits +6.2% year over year ($72.3M on the books).
- Delinquency rate 2.05%.
- Return on assets 0.57%.
- Efficiency ratio 79.15% vs a 119.40% peer average.
- Loan-to-deposit ratio 99.91% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ladysmith Federal Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.24% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.70% above tier average
- - ROA 0.43% below tier average
- - Net Interest Margin 0.27% below tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.2M
+4.4% YoY
+1.4% QoQ
|
+$30.7M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Top 9.5% in tier |
| Total Loans ? |
$72.3M
+5.7% YoY
+1.2% QoQ
|
+$37.4M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 5.0% in tier |
| Total Deposits ? |
$72.3M
+6.2% YoY
+2.5% QoQ
|
+$20.7M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
0.57%
+3.2% YoY
-17.3% QoQ
|
-0.43% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.64%
+16.5% YoY
-1.8% QoQ
|
-0.27% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
79.15%
-0.9% YoY
+6.4% QoQ
|
-40.24% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
2.05%
+45.5% YoY
-2.1% QoQ
|
+0.57% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
99.91%
-0.4% YoY
-1.2% QoQ
|
+25.70% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.86%
+6.7% YoY
+5.3% QoQ
|
-7.63% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.59%
+12.3% YoY
-25.7% QoQ
|
+0.75% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
9.18%
-42.5% YoY
+0.1% QoQ
|
-17.95% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.1% in tier |
| Non-Interest Income / Assets ? |
0.19%
-18.8% YoY
+27.2% QoQ
|
-1.19% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.9%
+1.0pp YoY +0.8pp QoQ |
-8.8pp | 24.6% | 18.9% | 22.2% | 22% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
+4.2pp YoY +1.4pp QoQ |
-3.0pp | 13.4% | 10.5% | 12.5% | 52% |
| CRE | n/a | n/a | 25.2% | 46.4% | 41.4% | n/a |
| 1-4 Family |
73.7%
-0.8pp YoY 0.0pp QoQ |
+38.7pp | 35.0% | 32.3% | 31.3% | 89% |
| Consumer |
7.4%
-2.2pp YoY -0.7pp QoQ |
-0.2pp | 7.7% | 2.6% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
9.2%
0.0pp YoY 0.0pp QoQ |
-8.5pp | 17.7% | 12.6% | 12.6% | 11% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 134 | 482 | 56% |
| Assets per Employee ($) |
$7.8M
+4.4% YoY +1.4% QoQ |
+$1.6M | $6.2M | $8.2M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.9pp | 1.0% | 0.4% | 0.4% | 11% |
| Nonaccrual |
2.0%
+0.6pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 0.9% | 1.0% | 76% |
| Allowance Coverage |
0.40x
-30.5% YoY +0.9% QoQ |
-6.01x | 6.41x | 56.89x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.0% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
-0.5pp YoY -1.5pp QoQ |
+0.7pp | 6.4% | 11.8% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 70% |
| Net Income ($, YTD) |
$265,000
+7.3% YoY — QoQ |
-$53K | $317,817 | $7.9M | $40.4M | 47% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.