Bank · FDIC insured
Ladysmith Federal
Top CarrotA $93.2M bank headquartered in Ladysmith, WI, with 1 branch in Wisconsin. Best rates: CDs 4.25% and savings 1.01% APY.
Ladysmith Federal Carrot Score
Carrot ScoreTop Carrot
Higher than 75% of U.S. banks and credit unions
#51 of 196 in WisconsinHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ladysmith Federal
Founded in 1934, Ladysmith Federal Savings and Loan Association is based in Ladysmith, Wisconsin.
The institution is mutually owned and locally controlled, serving customers throughout Ladysmith, Rusk County, and surrounding communities.
It originally began as a small association focused on providing mortgages, savings accounts, certificates of deposit, and share loans to local families.
- Headquarters
- 119 W 4th St N, Ladysmith, WI 54848
- FDIC certificate
- 28983 ↗
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- Ladysmith Federal Savings and Loan AssociationMain office119 W 4th St N, Ladysmith, WI 54848Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.18% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 2.03% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.57% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $101 | $67 | — |
- CapitalLeverage ratio9.18%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent2.03%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$101Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ladysmith Federal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.