Visbanking Logo

Lake Ridge Bank

Middleton, WI
IDRSSD: 525549
Total Assets
$3.18B
Latest filing
Total Deposits
$2.62B
Latest filing
Net Interest Margin
3.44%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

John Deere Financial, f.s.b.
Middleton, Wisconsin
→
Assets: $4.54BΔ +46.1%
National Exchange Bank and Trust
Fond Du Lac, Wisconsin
→
Assets: $2.89BΔ -7.1%
Bank Five Nine
Oconomowoc, Wisconsin
→
Assets: $2.51BΔ -19.4%
North Shore Bank
Brookfield, Wisconsin
→
Assets: $2.50BΔ -19.5%
WaterStone Bank, SSB
Wauwatosa, Wisconsin
→
Assets: $2.26BΔ -27.4%
One Community Bank
Oregon, Wisconsin
→
Assets: $2.23BΔ -28.2%

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1908
Community BankYes
Ownership TypeNot Mutual
ZIP53562
State and County Number55025
Subchapter S CorporationsNo
Trust PowersLimited Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameMadison, WI

Operational Info

Number of Employees366
Domestic Offices19
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date04/09/2025
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.lakeridge.bank
Data Updated11/14/2025
CERT15091
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$3.18B
Total Deposits$2.62B
Total Liabilities$2.85B
Total Equity Capital$332.58M
Net Income$8.31M
Net Loans and Leases$2.38B
Assets Per Employee ($Millions)$8.61M
Bank Premises and Fixed Assets$37.34M
Cash and Balances due from Depository Institutions$159.11M
Deposits Held in Domestic Offices$2.62B

Key Performance Ratios

Return on Assets (ROA)1.06%
Return on Equity (ROE)10.14%
Net Interest Margin3.44%
Efficiency Ratio60.99%
Tier 1 Risk-Based Capital Ratio11.508%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.463%
Earning Assets to total Assets92.32%

Income and Expense

Total Interest Income$41.76M
Total Noninterest Income$4.33M
Total Interest Expense$16.89M
Total Noninterest Expense$19.37M
Net Interest Income$24.87M
Pre-tax Net Operating Income$9.35M
Provision for Credit Losses$474.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$203.85M
Federal Funds Sold & Reverse Repurchase Agreement$10.79M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$26.88M
Total Liabilities and Capital$3.18B

Securities

Securities$405.90M
Available-for-sale debt securities$400.91M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$4.45M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Lake Ridge Bank?
$3.18B as of the latest filing.
How much are Lake Ridge Bank's total deposits?
$2.62B in total deposits.
Where is Lake Ridge Bank located?
Middleton, WI.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$2.38B (latest filing).
What is the total interest income (latest filing)?
$41.76M.