LADYSMITH FS&LA
LADYSMITH, WISCONSIN · FDIC Cert #28983
Capital & Safety Analysis
According to FDIC financial data, LADYSMITH FS&LA holds a Tier 1 capital ratio of 15.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning LADYSMITH FS&LA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
LADYSMITH FS&LA shows strong financial health indicators. With $90M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
LADYSMITH FS&LA has a Bank Health Score of A (84/100). It holds a Tier 1 capital ratio of 15.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
LADYSMITH FS&LA holds $90M in total assets and $66M in total deposits. It is located in LADYSMITH, WISCONSIN (FDIC Certificate #28983).
LADYSMITH FS&LA has a Tier 1 capital ratio of 15.17%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.73%, and the return on assets is 0.52%.
Yes. LADYSMITH FS&LA is FDIC-insured (Certificate #28983). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.