Lake Ridge Bank
Middleton, WI
IDRSSD: 525549
Total Assets
$3.27B
Latest filing
Total Deposits
$2.71B
Latest filing
Net Interest Margin
3.54%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
075904953CROSS PLAINS, WI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Lake Ridge Bank
8301 University Ave
Middleton, WI 53562
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 9468
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Lake Ridge Bank (Main) | 8301 University Ave | Middleton, WI |
| NEW GLARUS BRANCH | 512 Highway 69 | New Glarus, WI |
| MOUNT HOREB BRANCH | 1740 Springdale St | Mount Horeb, WI |
| CROSS PLAINS BRANCH - MOTOR | 2535 Main St | Cross Plains, WI |
| BELLEVILLE BRANCH | 110 Greenway Cross Ct | Belleville, WI |
| OREGON BRANCH | 883 N Main St | Oregon, WI |
| COTTAGE GROVE BRANCH | 341 W Cottage Grove Rd | Cottage Grove, WI |
| MONONA BRANCH - MONONA DR | 5515 Monona Dr | Monona, WI |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53562 |
| State and County Number | 55025 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Madison, WI |
Operational Info
| Number of Employees | 369 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/09/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.lakeridge.bank |
| Data Updated | 01/30/2026 |
| CERT | 15091 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.27B |
| Total Deposits | $2.71B |
| Total Liabilities | $2.93B |
| Total Equity Capital | $339.45M |
| Net Income | $9.35M |
| Net Loans and Leases | $2.38B |
| Assets Per Employee ($Millions) | $8.8M |
| Bank Premises and Fixed Assets | $37.72M |
| Cash and Balances due from Depository Institutions | $246.25M |
| Deposits Held in Domestic Offices | $2.71B |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 11.13% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 58.96% |
| Tier 1 Risk-Based Capital Ratio | 11.644% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.367% |
| Earning Assets to total Assets | 92.09% |
Income and Expense
| Total Interest Income | $42.50M |
| Total Noninterest Income | $5.50M |
| Total Interest Expense | $16.17M |
| Total Noninterest Expense | $20.33M |
| Net Interest Income | $26.33M |
| Pre-tax Net Operating Income | $10.83M |
| Provision for Credit Losses | $660.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $340.00k |
| Other borrowed funds | $197.85M |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.88M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $29.22M |
| Total Liabilities and Capital | $3.27B |
Securities
| Securities | $407.87M |
| Available-for-sale debt securities | $403.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.81M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lake Ridge Bank?
$3.27B as of the latest filing.
How much are Lake Ridge Bank's total deposits?
$2.71B in total deposits.
Where is Lake Ridge Bank located?
Middleton, WI.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$2.38B (latest filing).
What is the total interest income (latest filing)?
$42.50M.