Community

What’s the Good Word?

At Ladysmith Federal, community is at the heart of who we are. Our Community page highlights the ways Ladysmith Federal supports local people, families, schools, organizations, and events throughout the Ladysmith area and surrounding communities. As a local financial institution, we are proud to invest in the same places our customers live, work, learn, and grow.

Ladysmith Federal believes strong communities are built through service, connection, and local involvement. From financial literacy presentations and school programs to community events, sponsorships, fundraisers, and local partnerships, our team is committed to making a positive impact close to home. We value opportunities to support local students, nonprofits, businesses, and organizations that help strengthen our area.

This page shares our community news, upcoming events, volunteer efforts, local initiatives, and stories that reflect Ladysmith Federal’s commitment to giving back. Whether we are supporting youth programs, helping with school supply drives, participating in community celebrations, or offering educational resources, our goal is to be a trusted neighbor and partner.

When customers choose Ladysmith Federal, they are choosing a local bank that cares about more than banking. They are helping support a financial institution that reinvests in the community and believes in building long-lasting relationships.

For questions about community involvement, financial literacy presentations, sponsorship opportunities, or local partnerships, contact Ladysmith Federal by calling 715-532-3389 or emailing katd@ladysmithfederal.com.

We are proud to serve and support the community we call home!

Share Your Thanksgiving Tradition & You Could Win!

Thanksgiving is a time for gathering, sharing, and celebrating the traditions that make the season special, and this November, we want to hear about yours!

Throughout the month of November and through Thanksgiving week, Ladysmith Federal is celebrating "Banksgiving" by asking our customers and community members to share their favorite Thanksgiving traditions.

Maybe it’s a family recipe that appears on the table every year, watching the parade together, hunting season with family, a competitive game after dinner, volunteering in the community, or simply gathering around the table with the people you love. Whatever makes Thanksgiving special to you, we’d love to hear about it!

Participating is easy.

Stop by Ladysmith Federal and share your favorite Thanksgiving tradition, or comment on one of our posts on Facebook. Each week, we’ll randomly select one participant to receive a gift card to a local business, giving us another way to celebrate our community while supporting the businesses that help make our area special.

One gift card winner every week through Thanksgiving week!

Join the fun, share a favorite tradition, and help us celebrate the people, memories, and moments that make Thanksgiving special.

Happy 2nd Work Anniversary, Taylor!

November 4, 2026

We’re celebrating Taylor Engholm’s second anniversary with Ladysmith Federal!

In just two years, Taylor has become an important part of our team and a familiar face to many of our customers and local businesses. As a Commercial Loan Officer, she brings a positive attitude, genuine care for the people she works with, and a willingness to keep learning and growing in her role.

Taylor’s commitment extends beyond helping customers with their banking and lending needs. She is always ready to support her coworkers, take on new opportunities, and stay involved in the community we’re proud to call home.

We appreciate the energy, dedication, and kindness Taylor brings to Ladysmith Federal each day, and we’re grateful to have her as part of our team.

Please join us in congratulating Taylor on two years with Ladysmith Federal. We look forward to celebrating many more milestones with her!

A Spooktacular Weekend in Our Community

Halloween gave the Ladysmith Federal team plenty of opportunities to get out in the community, hand out treats, and join in the fun!

On October 30, 2026, our team helped celebrate Downtown Night Out by handing out candy at our Loan Service Center on Miner Avenue. We loved seeing all the creative costumes, smiling faces, and families making their way through downtown for an evening of Halloween fun!

That same day, Ladysmith Federal also joined the festivities at Jump River Electric’s drive-through Trunk or Treat, where we passed out even more candy to local trick-or-treaters. It was a fang-tastic way to connect with families from around the area and help add a little extra sweetness to the night.

The Halloween fun didn’t stop there! On October 31, 2026, our team was back at it during the St. John’s Lutheran Church Trunk or Treat, handing out treats and enjoying another afternoon filled with costumes, laughter, and plenty of Halloween spirit.

By the end of the weekend, we had handed out a whole lot of candy — and had a scary good time doing it!

Community events like these are some of our favorite ways to get out from behind the desk, spend time with our neighbors, and support the organizations that help make our area such a great place to call home.

Thank you to everyone who stopped by, said hello, showed off a costume, or helped organize these events. We hope your Halloween was filled with more treats than tricks!

Supporting the Next Generation of Local Leaders

October 28, 2026 

Ladysmith Federal is proud to support programs that give local students opportunities to learn, lead, and prepare for their futures. Recently, Kat Detloff and Payton Wold presented a donation on behalf of Ladysmith Federal to the Ladysmith FBLA program. Accepting the check was Emily Walsh, FBLA President.

Future Business Leaders of America gives students the opportunity to build valuable skills in leadership, business, communication, teamwork, and professional development. Programs like FBLA help students gain experience and confidence that can serve them well long after graduation.

For Ladysmith Federal, supporting local students is about more than making a donation. It is an investment in the future of the community we call home. The young people learning, growing, and developing their talents today will become tomorrow’s employees, business owners, volunteers, community leaders, and neighbors.

We are grateful for the teachers, advisors, families, and community members who encourage students to get involved and challenge themselves through opportunities like FBLA. Most of all, we are proud of the students who step forward, take on leadership roles, and work toward their goals.

Congratulations to Emily and the Ladysmith FBLA members on the work they are doing and thank you for allowing Ladysmith Federal to play a small part in supporting your journey.

When our local students succeed, our entire community grows stronger!

Building Scam-Smart Students at Bruce Middle School

October 20, 2026

Kat Detloff with Ladysmith Federal had the opportunity to visit Ms. Johnson's Bruce Middle School class again for a deeper look at fraud, scams, and the tactics criminals use to get people to act quickly, share information, or send money.

The presentation focused on helping students recognize the warning signs that often show up in scam messages, including urgent requests, unfamiliar links, unexpected prizes, threats, requests for personal information, and messages that simply don’t seem quite right.

The goal was to give students practical skills they can use in everyday life. Fraud and scams can happen through text messages, emails, phone calls, social media, online shopping, and even gaming platforms, so learning how to slow down, question what they are seeing, and verify information is an important part of staying safe.

The presentation ended with a hands-on activity and group discussion. Students reviewed several scam messages, worked together to identify the red flags, and then talked through what they should do next in four different scenarios. The activity gave students a chance to put what they had learned into practice and think through how they would respond before finding themselves in a real situation.

Students also discussed ways to bank safely online, including protecting social media accounts, avoiding suspicious links, using trusted banking apps and websites, monitoring account activity, using secure passwords, and asking a trusted adult or financial institution for help when something does not look right.

Learning to recognize fraud is a skill students can carry with them as they begin using more financial tools and making more decisions online. Knowing when to stop, verify, and ask questions can make a big difference!

We appreciate Bruce Middle School for welcoming us into the classroom and giving students the opportunity to build these important financial safety skills. Helping young people become more confident, informed, and prepared is one more way Ladysmith Federal is proud to support financial education in our local communities.

Building IRA Knowledge

October 20, 2026

Jaidynn recently spent a day in Madison attending the IRA Essentials Workshop through the Wisconsin Bankers Association.

The workshop focused on the building blocks of Individual Retirement Accounts and gave Jaidynn the opportunity to strengthen her understanding of how IRAs work, how they are opened and maintained, and the important details that come with helping customers manage retirement savings.

For customers, retirement accounts can come with plenty of questions. Having team members who understand the rules, paperwork, and everyday account considerations helps make those conversations easier and more helpful.

Jaidynn’s time at the workshop was another opportunity to grow her knowledge and bring practical information back to the bank. We’re excited to see her continue building her skills and expanding the ways she can assist customers with their financial goals.

If you have questions about IRAs or retirement savings options, stop in or give us a call 715-532-3389. Our team would be happy to help!

Did You Know You May Already Be Earning Rewards?

If you use a Ladysmith Federal Visa® Debit Card, your everyday purchases may already be helping you earn points through UChoose Rewards, and those points can add up to some pretty great perks!

UChoose Rewards is a free, points-based debit card rewards program that lets eligible Ladysmith Federal debit card customers earn points while making the purchases they already make. Points can be redeemed for options including cash back, travel, gift cards, merchandise, event tickets, and more. Ladysmith Federal

More Choices. More Points. More Freedom.

Whether you're buying groceries, filling up your gas tank, shopping online, or making everyday purchases, using your Ladysmith Federal debit card can help you build your rewards balance. Customers can also earn additional points through participating retailers and special promotions throughout the year. Ladysmith Federal

Already have a debit card but haven't checked your rewards lately? You may have points waiting for you. Log in to your UChoose Rewards account to view your available points, recent activity, and redemption options. If you haven't registered yet, visit UChooseRewards.com to create your account and start making the most of the rewards you've earned.

Your everyday spending is already part of your routine, why not get a little more from it?

Questions or need help getting started? Give us a call at 715-532-3389. Our team is happy to help.

Continuing to Learn

October 13-14, 2026

At Ladysmith Federal, we believe continuing education is an important part of providing knowledgeable, dependable service to our customers and community.

Kat Detloff and Taylor Engholm traveled to Madison to attend the Advanced Commercial Lending Boot Camp hosted by the Wisconsin Bankers Association (WBA).

The two-day training provided an opportunity to build on their commercial lending knowledge, strengthen their credit analysis skills, and continue developing a deeper understanding of the many factors that go into evaluating and managing commercial loans.

Commercial lending is about much more than numbers. Understanding a business, its financial position, cash flow, industry, management, collateral, and long-term goals all play an important role in making sound lending decisions. Training opportunities like this allow our team to continue expanding their knowledge while bringing new ideas and perspectives back to Ladysmith Federal.

For a community bank, investing in employee education is also an investment in our customers. The more our team learns, the better prepared we are to work alongside local businesses, understand their needs, and provide thoughtful financial guidance as they grow.

We’re proud of Kat and Taylor for continuing to expand their commercial lending knowledge and for representing Ladysmith Federal at this year’s training.

Whether you're starting a business, purchasing equipment, expanding your current operation, or simply want to talk through your financing options, our local team is here to help.

Jeans Day Fundraiser Supports Women with Courage

October 7, 2026

At Ladysmith Federal, giving back to the community is something our team is proud to be part of throughout the year.

Through our Jeans Day Fundraiser, employees donate $1 each day they choose to wear jeans to work. Those small donations add up over time, and at the end of each quarter, the money collected is donated to a local organization or cause making a difference in our community.

On October 7, 2026, Ladysmith Federal CEO Bill Dyson presented Leanne Birch with a check for $820 to support Women with Courage.

We are grateful to our employees for continuing to take part in Jeans Day and for turning something as simple as wearing jeans into a meaningful way to give back. We are also thankful for the local organizations and individuals who work hard to support our neighbors and strengthen the community we all call home.

At Ladysmith Federal, we believe small actions can make a big difference, especially when we work together!

Our Financial Literacy Committee in Action!

October 2, 2026

Ladysmith Federal’s Financial Literacy Committee was back in the classroom on Friday, October 2, 2026, when Kat Detloff and Emma Schindler visited students in grades 6–10 at Firm Foundation Academy for a presentation on Smart & Safe Banking.

The group included students at many different stages of earning and managing money, from those earning a little through chores to students beginning to earn money through summer jobs. The discussion focused on building smart banking habits early, managing money responsibly, and understanding how to protect yourself from fraud and scams.

Developing these skills now gives students a strong foundation as they begin making more financial decisions on their own. Learning how to safely manage an account, recognize suspicious activity, and make thoughtful choices with money can go a long way toward building confidence for the future.

A special thank you to Mr. Lovorn for welcoming us into the classroom and giving us the opportunity to spend time with the students!

Smart banking habits and financial safety are a great way to kick off the school year, and we’re always excited for another opportunity to share practical financial education with local students.

Interested in bringing financial education to your classroom, organization, business, or community group? Ladysmith Federal offers free financial literacy presentations and activities for a variety of ages and topics.

To schedule a presentation or learn more, contact us at 715-532-3389 or katd@ladysmithfederal.com. We’d be happy to help plan something that fits your group!

Keep Your Money with Your Bank. Send It from Your Bank.

A Smarter Way to Make P2P Payments

Payment apps can be convenient, but there’s an important difference between keeping money in a bank account and keeping money with a nonbank payment app.

When your money is held in an eligible deposit account at Ladysmith Federal, it is protected by FDIC deposit insurance up to applicable limits. 

With Zelle® through Ladysmith Federal, there’s no need to maintain a separate balance in a payment app. Money is sent directly from your eligible bank account to someone you know and trust, typically within minutes.

Why Keep P2P Payments Close to Home?

• Your money stays connected to your bank account. There’s no need to leave extra funds sitting in a separate nonbank app.
• You have a local team to call. If something looks suspicious or you have questions about a transaction, contact Ladysmith Federal directly and we can help you understand your next steps.
• Third-party apps are different. Companies such as Venmo are not themselves FDIC-insured banks. Some Venmo balances may qualify for pass-through FDIC insurance under specific conditions, while other balances do not. And if money is sent or held outside Ladysmith Federal, our ability to recover or reverse those funds may be limited. 

Send Money with Zelle® Through Ladysmith Federal

Already using Online or Mobile Banking? You can enroll in Zelle® through Ladysmith Federal and send money to friends, family, and others you know and trust.

Bank local. Pay confidently. Keep your money connected to Ladysmith Federal.

^{Zelle® should only be used to send money to people you know and trust. Once an authorized payment is sent to an enrolled recipient, it generally cannot be canceled or reversed, and Zelle® does not provide purchase protection for authorized payments.}

Smart & Safe Banking 

September 29, 2026

Ladysmith Federal Financial Literacy Committee members Kat Detloff and Emma Schindler had the opportunity to visit Ms. Johnson’s Middle School Business Education class at Bruce Public School for a discussion about smart and safe banking.

Students learned about important questions to ask before opening a bank account, the differences between common account types, and financial habits that can help them manage money responsibly. The class also took part in an engaging discussion about financial fraud awareness, including ways to recognize suspicious activity and protect personal and financial information.

At Ladysmith Federal, we believe financial education is an important part of helping young people build confidence and prepare for real-life financial decisions. Our programs include classroom presentations, hands-on activities, banking basics, saving, budgeting, credit, fraud prevention, career education, and more for students of all ages. Ladysmith Federal Savings and Loan

Interested in bringing financial literacy into your classroom or organization? Contact Kat Detloff at katd@ladysmithfederal.com to schedule a presentation today.

Click here to Explore Ladysmith Federal's Financial Literacy Programs

Vote for Deputy Doughfoot McSavings!

Wednesday, September 23, 2026

Ladysmith Federal is excited to join the Leaf It to Rusk Parade of Scarecrows with our very own fall-time financial officer: Deputy Doughfoot McSavings!

Deputy Doughfoot came for the fall fun, stayed for the savings, and somehow ended up deputized! With her deputy badge, big clown shoes, and pockets full of funny money, she is reporting for harvest duty and ready to guard the hay bales, watch over the pumpkin patch, and remind everyone that saving money is serious business, even if her shoes are not.

Now we need your help!

Stop by the Leaf It to Rusk Scarecrow Parade, check out all the creative scarecrow entries, and cast your vote for Deputy Doughfoot McSavings. Community voting is open Thursday, September 24 through Sunday, September 27.

Let’s help Deputy Doughfoot take a big step toward victory!

Vote for Deputy Doughfoot McSavings!

Big feet. Big badge. Big savings energy

Join Us for the 5:05 Business After Hours 

Tuesday, September 22, 2026

Ladysmith Federal is excited to host The 5:05 Business After Hours in partnership with the Rusk Area Chamber of Commerce and the Rusk County Farmer’s Market this September.

Join us on Tuesday, September 22, 2026, at 5:05 PM at the Rusk County Farmer’s Market for an evening of networking, community connections, and a cookout.

This event is a great opportunity for local business professionals, community members, and neighbors to connect, share ideas, and learn more about what is happening in our area. Whether you are a business owner, employee, community leader, or simply interested in supporting local connections, we would love to see you there.

Guests can enjoy:

• Meet your local community bankers
• Network with local professionals
• Build community business connections
• Learn more about what is going on in the banking industry
• Enjoy a community cookout

Business card drawing and 50/50 raffle

Event Details
Date: Tuesday, September 22, 2026
Time: 5:05 PM
Location: Rusk County Farmer’s Market
Corner of Hwy 8 & East 2nd Street, Ladysmith, WI

We look forward to connecting with you at the 5:05!

Thank You for Joining Us at the 5:05!

A big thank you to everyone who joined us for The 5:05 Business After Hours! We truly appreciate the local business professionals, community members, and friends who came out to connect, catch up, and enjoy the evening with us.

Events like this are a great reminder of what makes our community special; People supporting one another, building relationships, sharing ideas, and taking the time to stay connected.

We also want to extend a special thank you to the Rusk Area Chamber of Commerce and the Rusk County Farmer’s Market for their partnership, support, and attendance. We are grateful for the opportunity to work together and bring local businesses and community members into one space.

A special thank you as well to Deon Perryman from The Baker Group for joining us and providing an economic update and thoughtful discussion. We appreciate the time, insight, and perspective he shared with everyone in attendance.

Thank you again to everyone who helped make the evening such a success. We’re proud to be part of a community that continues to show up for one another!

Thank You for Joining Us!

Thank you to everyone who attended Ladysmith Federal’s Estate Planning Event last Thursday, September 17, 2026. We appreciate you taking the time to join us for an informative afternoon focused on planning ahead, protecting your wishes, and making thoughtful decisions for the future.

A special thank you to Attorney Richard Summerfield for sharing his knowledge and practical guidance on estate planning, and to everyone who participated, asked questions, and helped make the event a success.

We also want to thank Grandpa’s Pizza & Grill for welcoming us into their space and helping make the event feel comfortable and inviting. We especially appreciated the fresh salad and pizzas they prepared and served for our guests.

At Ladysmith Federal, we are proud to offer educational opportunities that support the financial well-being of our customers and community. We hope everyone left with helpful information and a few practical steps to take in reviewing their own estate and account planning.

Thank you again to everyone who joined us and helped make the event a success!

Happy 2nd Work Anniversary, Emma!

September 9, 2026

Please join us in congratulating Emma Schindler on two years with Ladysmith Federal!

From Universal Banker to Loan Processor, Emma has continued to learn, grow, and take on new responsibilities. We appreciate her hard work, positive attitude, and willingness to step into new challenges as she continues building her career with us.

Congratulations on two years, Emma! We’re glad to have you on our team.

Free Estate Planning Event

September 17, 2026

Ladysmith Federal invites you to join us for a Free Estate Planning Event on Thursday, September 17, 2026, at Grandpa’s Pizza & Grill, located at 1102 Edgewood Ave E, Ladysmith, WI 54848.

A light lunch will be served at 12:30 PM, and the presentation will begin at 1:00 PM.

This free educational event will include helpful information about estate planning with Attorney Richard Summerfield, including how to properly plan and manage your estate and practical guidance for making informed decisions.

Ladysmith Federal will also briefly discuss deposit account legacy planning, including how account ownership, titling, and beneficiaries can help you plan ahead and make sure your wishes are understood.

Space is limited: Please RSVP by September 11, 2026, to reserve your spot.

To RSVP, call (715) 532-3389 or email contact@ladysmithfederal.com.

Happy 7th Work Anniversary, Lindsey!

September 4, 2026

Please join us in congratulating Lindsey Sprague on seven years with Ladysmith Federal!

From Universal Banker to Loan Processor, Consumer Lender, and now Mortgage Loan Officer, Lindsey has continued to grow and take on new challenges throughout her time with us. We appreciate her hard work, dedication, and commitment to helping our customers and supporting our team.

Congratulations on seven years, Lindsey! We’re grateful to have you on our team.

Celebrating 22 Years with Sara Taylor!

August 18, 2026

Please join us in congratulating Sara Taylor on 22 years with Ladysmith Federal!

As Vice President, Sara has played an important role in our bank’s growth and success. Her experience, dedication, and commitment to our customers, team, and community have made a lasting impact over the years.

Thank you, Sara, for 22 years of leadership and service. We’re grateful to have you as such an important part of Ladysmith Federal and look forward to celebrating many more milestones with you!

Teamwork On & Off the Course

August 11, 2026

The Ladysmith Federal team hit the greens at Mickey's on Flambeau, for an evening of team building, friendly competition, and plenty of laughs.

A special shoutout goes to our team mascot, Stephanie, who showed up in full golfer costume and quickly became the life of the event! Her fun spirit helped make the evening even more memorable.

Spending time together outside the office is a great reminder of what makes our team special. Whether we are serving customers, supporting our community, or enjoying a round of golf together, teamwork is at the heart of what we do.

Thank you to our employees for bringing their energy, encouragement, and good sportsmanship both on and off the course.

Ladysmith Federal - People You Know. Experience You Trust.

Congratulations, Sara!

August 7, 2026

We’re proud to recognize Sara Taylor on her graduation from the Graduate School of Banking (GSB)!

This 25-month-long program utilizes a mix of lectures, bank simulations, case study discussions, and hands-on projects to develop current and future bank leaders. Upon their graduation from GSB, these members also were recognized with the prestigious Certificate of Executive Leadership from the Wisconsin School of Business Professional and Executive Development, the highest-level certificate they offer.

Completing the GSB program is a significant accomplishment that reflects Sara’s dedication to continued learning, professional growth, and the banking industry. We appreciate the time and hard work she has put into reaching this milestone and the knowledge and experience she brings back to Ladysmith Federal.

Congratulations, Sara! We’re proud to have you on our team and excited to celebrate this well-earned achievement with you!

Help Us Support Local Students This August

Ladysmith Federal is collecting school supplies throughout the whole month of August to help support students in our local Rusk County schools.

We invite our customers, community members, and local businesses to stop by and drop off donations at Ladysmith Federal. Every notebook, folder, pencil, backpack, and box of tissues helps students start the school year prepared and confident.

Suggested donations may include:

Wide ruled notebooks, pens and pencils, pencil cases, pink erasers, round tipped scissors, two-pocket folders, tissues, disinfectant wipes, index cards, backpacks, and glue sticks.

At Ladysmith Federal, we believe strong communities start with supporting our local students, families, and schools. Thank you for helping us make a difference right here at home.

Donations can be dropped off during the month of August at:

Ladysmith Federal
119 W 4th St N
Ladysmith, WI 54848
715-532-3389

Thank you for helping us support a great start to the school year!

Thank You for Supporting Our School Supply Drive!

Ladysmith Federal would like to extend a heartfelt thank you to everyone who donated to our School Supply Drive during the month of August.

Because of your generosity, we were able to collect school supplies to help support local students as they begin a new school year. Every notebook, pencil, folder, backpack, and box of tissues makes a difference for students, families, and classrooms in our community.

At Ladysmith Federal, we believe strong communities start with supporting one another. Your donations are a wonderful reminder of how much our customers, neighbors, and local businesses care about the success of area students.

Thank you for helping us give local students a confident start to the school year. We are grateful for your kindness, support, and continued commitment to our community.

Join Us for Customer Appreciation Day!

Friday, August 21, 2026

Ladysmith Federal is excited to invite you to our Customer Appreciation Day on Friday, August 21, 2026, from 11:00 AM to 1:00 PM.

Stop by and enjoy lunch catered by Cedar Lodge as we celebrate and thank the customers, like you, who make our community so special. The fun continues with BINGO at 12:00 PM, with prizes for winners!

We are grateful for each of our customers and the trust you place in Ladysmith Federal. When you choose to bank with us, you are also choosing to invest in our local community, and we are proud to serve the people, families, and businesses who call this area home.

Thank you for choosing Ladysmith Federal — People You Know. Experience You Trust.

Celebrating Kat's 8-Year Work Anniversary

July 26, 2026

Please join us in celebrating Kat Detloff on her 8-year work anniversary with Ladysmith Federal!

Over the past eight years, Kat has made a lasting impact through her dedication to our customers, our employees, and our community. Whether she's strengthening our compliance program, leading financial literacy initiatives, supporting our staff, or helping improve the way we serve our customers, Kat brings professionalism, knowledge, and a genuine commitment to making Ladysmith Federal better every day.

Thank you, Kat, for your hard work, leadership, and the many ways you support our team and our community. We appreciate everything you do and are grateful to have you as part of the Ladysmith Federal family.

Congratulations on eight years, Kat!

Celebrating Stephanie's 5-Year Work Anniversary

July 8, 2026

This month, we're proud to celebrate Stephanie's 5th work anniversary at Ladysmith Federal!

Over the past five years, Stephanie has been a valued member of our team, bringing dedication, professionalism, and a genuine commitment to serving our customers and community. Her positive attitude, strong work ethic, and willingness to help others have made a lasting impact on both our customers and her coworkers.

Thank you, Stephanie, for everything you do and for being an important part of the Ladysmith Federal family. We appreciate your hard work and commitment, and we look forward to celebrating many more milestones with you.

Congratulations on five years, Stephanie!

Supporting Rusk Area Youth Sports

July 2, 2026

We’re proud to support organizations that make a lasting impact in our local communities through our “Jeans Day” fundraiser.

Our employees came together once again, each donating for the chance to wear jeans to work. It’s a small gesture that adds up in a meaningful way, and thanks to their kindness and generosity, we were able to raise more than $800 to support Rusk Area Youth Sports.

We’re excited to share that these proceeds have been donated to help Rusk Area Youth Sports continue their efforts in supporting local youth, athletics, teamwork, and community involvement. Their work helps create opportunities for kids and families throughout our area, and we’re grateful to contribute to that mission.

Pictured are Jared Prokop accepting the donation and Ladysmith Federal’s CEO, Bill Dyson, presenting the check.

Thank you to our team for stepping up once again to support local youth and families. Together, we’re helping strengthen the community we all call home!

Thank You for Joining Us

June 30, 2026

Thank you to everyone who joined us for our Community Fraud Presentation at Flambeau Village Apartments!

We appreciate everyone who took the time to attend, ask questions, and be part of an important conversation about fraud awareness, scam prevention, and protecting personal information. Scams can happen to anyone, and the more we talk about warning signs, the better prepared we can be as a community.

At Ladysmith Federal, we are proud to offer financial literacy resources and community presentations that help our neighbors feel more confident and informed. To learn more, visit our Financial Literacy page. 

Interested in scheduling a free presentation for your group or organization? Contact Kat Detloff at katd@ladysmithfederal.com. We’re always happy to help!

Celebrating Dairy Month with Our Community

June 20, 2026

Ladysmith Federal had a dairy good time celebrating June Dairy Month with our customers and community!

Thank you to everyone who stopped by our lobby on Friday, June 19, 2026, to enjoy free milk and cookies. We were happy to share a simple treat, a few smiles, and a chance to visit with the people who make our community so special.

The fun didn’t stop there! We also want to thank everyone who came out to see us at the Dairy Breakfast in Sheldon on Saturday, June 20, 2026, at K&K Agronomy. Events like this are a great reminder of how strong our local roots are and how important the communities are where we call home.

At Ladysmith Federal, we believe banking is about more than accounts and numbers. It is about neighbors helping neighbors, supporting local families, and showing up for the people and traditions that make our area unique.

Thank you for letting us be part of your Dairy Month celebrations. We are proud to serve a community that is truly moo-velous!

Protect Yourself and Your Money from Scams

June 16, 2026

Scams can happen to anyone. Today’s scammers are smart, fast, and often sound very real. They may pretend to be law enforcement, a government office, tech support, bank staff, or even a family member in trouble.

June is Elder Abuse Awareness Month, making it an important time to talk about financial scams and the ways criminals target older adults. But fraud can affect people of every age. Younger adults are often targeted online and through social media, while older adults may face higher losses when scams happen.

One of the best ways to protect yourself is to slow down. If someone tells you to act right away, keep a secret, withdraw cash, buy gift cards, send cryptocurrency, or wire money, stop and ask for help. These are common warning signs of a scam.

Ladysmith Federal will never ask for your online banking username, password, or multi-factor authentication codes. If someone says they are from the bank and asks for this information, hang up and call us directly.

You can also protect yourself by using strong passwords, turning on multi-factor authentication, checking for “https://” and the lock icon on websites, and being careful with unexpected phone calls, texts, emails, pop-ups, and social media messages.

If you think you may be dealing with a scam, do not feel embarrassed. Scams are meant to trick people. Stop talking to the scammer right away, do not send more money or information, and contact your bank as soon as possible. You should also tell someone you trust like a friend or family member.

For more tips, warning signs, elder fraud resources, and scam reporting information, visit our Protecting Your Money page.

Interested in Hosting a Presentation?

Ladysmith Federal is available to provide fraud prevention and awareness presentations for local groups, businesses, schools, churches, and community organizations.

To coordinate a 30–60 minute presentation, please contact Kat Detloff at katd@ladysmithfederal.com.

Ladysmith Federal Team Attends WBA BOLT Leadership Summit

June 11-12, 2026

Investing in people is one of the ways Ladysmith Federal continues to invest in the communities we serve.

On June 11-12, team members Lindsey, Taylor, Payton, and Kat attended the Wisconsin Bankers Association's BOLT (Building Our Leaders of Tomorrow) Summit, joining banking professionals from across the state for two days of learning, networking, and leadership development.

The summit opened with former NFL player Bradie Ewing, who spoke about the importance of Purpose, Process, and Progress in both work and life. Attendees also heard from a variety of speakers who shared practical ideas on leadership, teamwork, personal growth, and building stronger workplace relationships.

Sessions included:

• Jen Porett of Wipfli on developing the right kind of leaders through meaningful growth opportunities
• Jack Kasel of Anthony Cole Training Group on building a leader's growth mindset
• Danny Adams, speaker and author, on the power of humor and maintaining a positive outlook
• Ben Udell, who shared insights on emerging technology and artificial intelligence
• Bill Marklein, founder of Employ Humanity, who discussed the value of emotional intelligence in leadership and everyday interactions

Taylor also serves on the WBA BOLT Board of Directors, helping support and guide leadership opportunities for the next generation of Wisconsin bankers.

Kat is currently participating in the WBA's 13-month BOLT Leadership Academy, a program that helps emerging leaders strengthen their skills and prepare for future leadership roles.

The knowledge and connections gained through opportunities like BOLT help our team continue providing the personal service, local decision-making, and community commitment our customers have come to expect from Ladysmith Federal.

We're proud to invest in our employees, knowing that growth within our team helps strengthen the communities we call home.

Celebrating Jaidynn's First Work Anniversary!

May 12, 2026

At Ladysmith Federal, we know that “People you know. Experience you trust.” is built on the dedication and passion of our team members, and today, we're excited to celebrate Jaidynn's first work anniversary!

Over the past year, Jaidynn has brought positivity, hard work, and a strong commitment to our customers and community each day. Her energy and dedication help make Ladysmith Federal a great place to work and bank.

Thank you, Jaidynn, for everything you do. We're grateful to have you on our team and look forward to many more milestones ahead.

Happy Work Anniversary! 

Honoring the Class of 2026

Our commitment to community starts with supporting the next generation. Each year, we award $10,000 in scholarships to local students who demonstrate dedication to their education and a passion for making a difference. These scholarships reflect our belief that strong communities are built through opportunity, encouragement, and investment in future leaders. Our recipients continue to inspire us with their hard work, leadership, and service, and we’re proud to support them as they take the next step toward achieving their goals. Congratulations to the Class of 2026!

Stay Tuned!

We’ll be announcing this year’s scholarship winners as they receive their awards. Follow us here and on social media to help us celebrate these outstanding students.

Growing Leaders: Ladysmith Federal at the Women in Banking Conference

April 27, 2026

Ladysmith Federal was proud to be represented at the 20th Annual Women in Banking Conference this week, hosted by the Wisconsin Bankers Association. Emma, Karissa, Carol, and Payton attended the event, joining banking professionals from across the state for a valuable opportunity to learn, connect, and grow.

The conference focused on leadership development, industry insights, and empowering women in banking to continue making a meaningful impact within their organizations and communities. Throughout the event, our team gained fresh perspectives, shared experiences with peers, and brought back new ideas that will help us continue serving our members with excellence.

We’re proud of the dedication our team shows in pursuing growth and professional development. By continuing to learn and evolve, they help strengthen the service and support we provide every day, because investing in our team is another way we invest in our community.

Community Involvement in April

Ladysmith Federal recently had the pleasure of participating in the Growing Connections event at Flambeau School, an inspiring program designed to introduce students to a variety of career paths and future opportunities. Our team enjoyed connecting with students, sharing insights about careers in banking, and helping raise awareness about the many possibilities available right here in our community. Events like these are a meaningful way to support students as they begin thinking about their futures and the paths they may choose.

(Pictured: Emma & Sara)

To wrap up the evening, our team took part in the Friends of Flambeau Scrabble Bee, an event filled with fun, friendly competition, and a shared purpose. We were thrilled to earn 3rd place while also contributing to a great cause, as the event helps raise funds that directly support the school and its students.

(Pictured: Emily, Stephanie, Lindsey, Karissa, Carol, & Skye)

At Ladysmith Federal, being involved in our community is at the heart of what we do. We’re proud to support local schools, encourage student growth, and take part in events that make a lasting impact. Since 1934, we’ve remained committed to being more than just a financial institution, we’re your neighbors, working alongside you to build a stronger community.

Celebrating Power of Community Week!

April 20–24, 2026

Ladysmith Federal was proud to take part in this year’s Power of Community Week, an initiative led by the Wisconsin Bankers Association that highlights the positive impact community banks make every day. Throughout the week, our team rolled up their sleeves and spent time cleaning and refreshing local parks in downtown Ladysmith, helping keep the spaces we all share welcoming and beautiful.

We also had the opportunity to connect with the next generation during National Teach Children to Save Day. Team members visited local elementary schools to read The Berenstain Bears' "Trouble with Money" and talk with students about the basics of saving, spending, and making smart financial choices. It’s always rewarding to engage with students and help build a strong foundation for their financial future.

At Ladysmith Federal, community isn’t just something we talk about, it’s who we are. Since 1934, we’ve been proud to serve as your neighbors, your friends, and a trusted part of this community. Whether we’re supporting local initiatives, volunteering our time, or helping families reach their financial goals, our commitment remains the same: investing in the people and places that make our community home.

Supporting the Ladysmith Booster Club

April 7, 2026

We’re proud to support organizations that make a lasting impact locally with our “Jeans Day” fundraiser.

Our employees came together once again, each donating for the chance to wear jeans to work. It’s a small gesture that adds up in a big way, and thanks to their enthusiasm and generosity, we were able to raise funds to support the Ladysmith Booster Club.

We’re excited to share that these proceeds have been donated to help the Booster Club continue their efforts in supporting local students and school activities. Their work plays an important role in enhancing opportunities for youth in our community, and we’re grateful to contribute to that mission.

Pictured are Ladysmith Federal’s Accountant, Payton Wold, alongside Booster Club member Shelly Olson.

Thank you to our team for stepping up once again, to support our local schools and students. Together, we’re helping strengthen the community we all call home.

Spring Credit Card Reward$

Ladysmith Federal is bringing fresh value to your wallet this spring with its in-house credit card, designed to reward you every time you spend. Cardholders can enjoy earning cash back on everyday purchases while keeping their finances close to home.

Whether you’re looking for a personal card or a business solution, Ladysmith Federal offers flexible options with reward features you get to choose. From maximizing cash back to tailoring benefits that fit your lifestyle or business needs, this card puts you in control.

Convenience is built in. Easily manage your account and make payments at the bank or on the go through the credit card app. Plus, with a fast and simple application process, getting started is easier than ever.

You can apply by visiting us in person or online and start enjoying rewards that truly give back.

Rusk County Spring Expo

April 14, 2026

Ladysmith Federal was proud to join the community at the Rusk County Spring Expo! With spring in full swing, it was a great day to connect with friends, neighbors, and local businesses.

Our theme, “Let Ladysmith Federal brighten your day,” came to life with fun giveaways, chapstick and sunglasses, to help everyone enjoy the sunshine this season. It was our way of sharing a little extra brightness with the community we love to serve.

More than anything, we appreciated the chance to chat, answer questions, and build relationships. Events like this remind us how special our community truly is.

Here’s to a sunny, happy spring, we’re always here to help brighten your day!

Pictured (left to right): Taylor & Kat

Bringing Reality Challenge Back

March 18, 2026

We hosted the  Student Reality Challenge, welcoming students from Ladysmith, Bruce, and Flambeau High Schools for a hands-on financial literacy experience. This interactive program gave students a realistic look at managing money, from budgeting and everyday expenses to balancing a checkbook.

Students were assigned life scenarios with careers and personal circumstances, then made financial decisions on housing, transportation, utilities, insurance, and more with guidance from local business volunteers. They also explored costs like childcare, pet care, entertainment, and even traffic violations, highlighting the importance of saving for unexpected expenses.

Volunteers and students alike praised the event for its engaging, real-world approach. Participants walked away with a better understanding of budgeting, financial responsibility, and the true cost of everyday living.

We thank all volunteers, students, and school partners, especially Ladysmith High School leadership, for helping make the event a success.

Financial Literacy Committee Members: Emma Schindler, Payton Wold, Skye Neidermann Jaidynn Ewer, Carol Swanson, Taylor Engholm, & Kat Detloff.

Turn Your Tax Refund into a Fresh Start

Tax season is here and for many, that means a refund is on the way. While it’s tempting to spend it, your tax refund can also be a powerful tool to reset your finances.

Using your refund to pay down past-due debt can:

• Reduce late fees and interest
• Improve your credit over time
• Lower financial stress
• Help you regain control of your budget

Even catching up on just one overdue account can make a meaningful difference. If possible, focus first on bringing past-due balances current, then consider paying down high-interest debt to save money in the long run.

A fresh start feels good — fewer worries, more confidence, and a clearer path forward.

If you’d like help creating a plan, our team is here to guide you. This tax season, turn your refund into real financial progress!

Ladysmith Federal Advocates at WBA Capital Day

Ladysmith Federal was proud to participate in this year’s WBA Capital Day, hosted by the Wisconsin Bankers Association at the Wisconsin State Capitol.

Sara and Payton joined more than 250 bankers from across Wisconsin for a day of advocacy and dialogue with state legislators. The strong turnout demonstrated the banking industry’s commitment to engaging in the policymaking process and supporting the communities we serve.

Conversations throughout the day centered on important issues impacting local financial institutions and the people who rely on them. Topics included virtual currency kiosk regulation and the growing threat of financial fraud, particularly scams targeting older adults. Protecting individuals and families from fraud remains a top priority for Ladysmith Federal, and we were proud to contribute to discussions aimed at strengthening safeguards.

Capital Day provides a valuable opportunity for bankers to share real-world insight with lawmakers and help shape policies that promote financial stability, responsible innovation, and community well-being. Ladysmith Federal is honored to represent our area and remains committed to advocating for solutions that support long-term economic strength.

Sharing the Love: Ladysmith Federal Delivers Valentine’s Cheer to Our Community Seniors

This Valentine’s Day, we were honored to partner with the elementary students from the School District of Flambeau and the School District of Ladysmith to help spread cheer throughout our community.

Thanks to the creativity and generosity of these students, we received an incredible number of handmade valentines, each one thoughtfully created to brighten someone’s day. Because of their efforts, Carol & Jaidynn from our team, were able to deliver cards to residents at Ladysmith Care Center, Lake Manor, Vitacare, and LADS.

We are so grateful to the students, teachers, and staff who helped make this initiative such a success. Your kindness made a meaningful difference and brought smiles to many faces this Valentine’s Day. Thank you for helping us share the love!

Thank You for Supporting Our December Holiday Hygiene Supply Drive

We are incredibly grateful to everyone who donated to our December Hygiene Supplies Drive. Thanks to your generosity, we were able to collect a wide range of essential hygiene items that will make a meaningful difference for students and families in our community.

This week, the Ladysmith Federal team had the privilege of meeting with each local school district Bruce, Flambeau, and Ladysmith, to personally deliver the donated supplies. Seeing the impact of this collective effort firsthand was truly rewarding, and it reminded us how strong our community is when we come together to support one another.

As Rusk County’s only community bank, Ladysmith Federal is proud to support initiatives that strengthen the places where we live and work. Giving back is not just something we do, it’s part of who we are. Community drives like this reflect our commitment to being more than a financial institution; they reflect our commitment to our neighbors.

Thank you again to everyone who contributed, helped spread the word, or supported this drive in any way. Your kindness and generosity embody our promise: People you Know, Experience you Trust!

Bank Smarter. Bank Safer.

Your peace of mind is our priority. With our Mobile and Online Banking, you get the perfect blend of security and convenience—right at your fingertips.

Why You Can Trust Us:

• Multi-Factor Authentication
• Fingerprint & Face ID Login
• Fewer Malware Risks thanks to tightly secured mobile environments

Stay in Control with Smart Security Tools:

• Transaction Alerts – Know the moment money moves
• Security Alerts & Texts – Get notified of any suspicious activity
• Manage My Cards – Instantly lock, unlock cards, or set card limits
• Mobile Check Deposits – Deposit checks securely anytime, anywhere for free
• Monitor your Credit Score with Credit Sense® – Stay on top of your credit health for free

Together, these tools help you monitor, prevent, and protect against financial fraud—so you can bank confidently, 24/7.

Banking that's secure. Features that empower. Protection you can trust.