Bank Comparison
Lake Ridge Bank vs Northrim Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 17
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| CET1 Ratio | 11.52% | 12.09% |
| Tier 1 Capital Ratio | 11.52% | 12.09% |
| Total Capital Ratio | 12.53% | 13.06% |
| Tier 1 Leverage Ratio | 9.64% | 10.08% |
| Equity / Assets | 10.22% | 11.19% |
Profitability
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 1.93% |
| Return on Equity (ROE) | 9.24% | 17.15% |
| Net Interest Margin (NIM) | 3.26% | 5.49% |
| Yield on Earning Assets | 5.33% | 6.68% |
| Cost of Funds | 2.23% | 1.26% |
Asset quality
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| Texas Ratio | 3.51% | 5.32% |
| Non-Performing Loan Ratio | 0.40% | 0.69% |
| Non-Performing Asset Ratio | 0.34% | 0.55% |
| Net Charge-Off Ratio | 0.04% | 0.03% |
| ACL / Loans | 1.02% | 0.97% |
Balance sheet
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| Total Assets | $3,334M | $3,336M |
| Total Deposits | $2,764M | $2,885M |
| Total Loans | $2,443M | $2,544M |
| Total Equity | $340,777K | $373,426K |
| Net Income (quarter) | $7,859K | $15,773K |
Liquidity & funding
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.37% | 88.21% |
| Core Deposit Ratio | 98.17% | 93.22% |
| Uninsured Deposit Ratio | 29.37% | 39.67% |
Identity
| Metric | Lake Ridge Bank | Northrim Bank |
|---|---|---|
| Headquarters City | MIDDLETON | ANCHORAGE |
| Headquarters State | WI | AK |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 20 | 20 |
| Employees (FTE) | 372 | 527 |
| Established | Jan. 1, 1908, midnight | Dec. 4, 1990, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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