Lake Ridge Bank
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Data as of · sourced from FFIEC call reports. How we update
Lake Ridge Bank is an FDIC-insured commercial bank headquartered in Middleton, WI, established in 1908 (FDIC certificate 15091), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.35B, up 7.9% from Q2 2025, the 8th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15091
- Headquarters
- Middleton, WI
- Established
- 1908
- Total assets, Q2 2026
- $3.35B
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 11.97%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 075904953
- Latest call report
- Q2 2026, FFIEC 051 · Lake Ridge Bank call report
- Holding company
- LAKE RIDGE BANCORP, INC.
- Asset rank in state
- 8th of 153 in Wisconsin
Lake Ridge Bank leans heavily on commercial real estate. It reported $3.4 billion in assets at June 30, 2026, up 7.9% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also holds common equity equal to 11.97% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
Net income for the quarter rose 29% from a year earlier, to $9.5 million. Over the same year, loans grew 2.1% and deposits grew 9.0%.
As of June 30, 2026, Lake Ridge Bank reported a CET1 capital ratio of 11.97%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 3.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lake Ridge Bank is the 8th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $3.35B, loans rose 0.4% and deposits rose 0.8%. Multifamily loans made up 21.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.4%. The FDIC Summary of Deposits lists 20 offices for it, in 16 cities in WI; its Middleton 2 offices book 25% of its branch deposits. On its Q2 2026 call report, Lake Ridge Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8301 University Ave, Middleton, WI 53562
- County
- Dane
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Former names
- State Bank of Cross Plains (1975-2023)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 375
- Domestic deposits
- $2.79B
- Allowance for credit losses
- $25.1M
- Net charge-offs (YTD)
- $85K
- Average total assets
- $3.33B
- Average total loans
- $2.44B
- Average interest-bearing deposits
- $2.17B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15091
- Fed RSSD
- 525549
- SEC CIK
- 1489264 → filed by LAKE RIDGE BANCORP, INC.
- Website
- www.lakeridge.bank →
- Parent Holding Company
- LAKE RIDGE BANCORP, INC. (RSSD 2336806)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Lake Ridge Bank's total assets ranged from $2.95B (Q3 2023) to $3.35B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.35B total assets against $3.11B; $3.00B total liabilities against $2.79B.
$2.43B net loans and leases against $2.38B; $2.79B total deposits against $2.56B.
$483.4M securities against $394.6M; $223.4M cash and balances due against $119.2M.
$43.1M total interest income against $40.0M; $16.2M total interest expense against $16.9M.
$26.9M net interest income against $23.1M.
$5.1M total noninterest income against $4.8M; $20.5M total noninterest expense against $19.3M.
$618K provision for credit losses against $474K.
$9.5M net income against $7.4M.
1.14% return on assets against 0.95%; 3.44% net interest margin against 3.19%.
11.97% CET1 capital ratio against 11.31%; 9.95% tier 1 leverage ratio against 9.80%.
Inside the full Lake Ridge Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Lake Ridge Bank rankings
Its closest position to the top of a national ranking is 375 of 4,196, for total assets; its furthest is 1,719 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.16% (Q4 2025) and its net interest margin ran from 2.67% (Q3 2024) to 3.47% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 1.14% | 0.34% | 3.00% | 3.44% |
| Q1 2026 | 11.52% | 0.94% | 0.37% | 3.31% | 3.26% |
| Q4 2025 | 11.64% | 1.16% | 0.39% | 3.04% | 3.47% |
| Q3 2025 | 11.51% | 1.05% | 0.42% | 3.28% | 3.36% |
| Q2 2025 | 11.31% | 0.95% | 0.48% | 3.91% | 3.19% |
| Q1 2025 | 11.14% | 0.75% | 0.35% | 2.89% | 2.86% |
| Q4 2024 | 10.91% | 0.74% | 0.51% | 4.48% | 2.86% |
| Q3 2024 | 10.68% | 0.62% | 0.57% | 4.93% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Ridge Bank (main office) | Middleton , WI | 53562 | $447.9M |
| Monona Branch - Bridge Rd | Monona , WI | 53713 | $386.4M |
| Middleton Branch - Parmenter | Middleton , WI | 53562 | $251.7M |
| Verona Branch | Verona , WI | 53593 | $222.8M |
| Monona Branch - Monona Dr | Monona , WI | 53716 | $208.3M |
| Cross Plains Branch - Main | Cross Plains , WI | 53528 | $202.2M |
| Waunakee Branch | Waunakee , WI | 53597 | $201.5M |
| Mount Horeb Branch | Mount Horeb , WI | 53572 | $151.4M |
| Cottage Grove Branch | Cottage Grove , WI | 53527 | $144.9M |
| Evansville Branch | Evansville , WI | 53536 | $140.0M |
| Madison Branch - Atwood | Madison , WI | 53704 | $87.2M |
| Belleville Branch | Belleville , WI | 53508 | $73.8M |
| Black Earth Branch | Black Earth , WI | 53515 | $67.6M |
| Oregon Branch | Oregon , WI | 53575 | $55.0M |
| Sauk City Branch | Sauk City , WI | 53583 | $49.8M |
| New Glarus Branch | New Glarus , WI | 53574 | $41.4M |
| Brooklyn Branch | Brooklyn , WI | 53521 | $38.2M |
| Lake Ridge Bank Branch | Janesville , WI | 53545 | $9.7M |
| Cross Plains Branch - Motor | Cross Plains , WI | 53528 | $8.7M |
| Cross Plains Admin Branch | Cross Plains , WI | 53528 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 2023 | Structure Change | Acquired Monona Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2019 | Structure Change | Acquired Union Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 2010 | Structure Change | Acquired The Black Earth State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2006 | Structure Change | Acquired Independent Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2002 | Structure Change | Acquired Bank of Waunakee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in WI, rank 12 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 896 applications, 705 loans originated, $288.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 15 loans, $6.5M approved, $434K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lake Ridge Bank
What are Lake Ridge Bank's total assets?
As of the Q2 2026 filing, Lake Ridge Bank reported total assets of $3.35 billion in its FFIEC call report.
Where is Lake Ridge Bank headquartered?
It is headquartered in Middleton, WI, United States.
When was Lake Ridge Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Lake Ridge Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Ridge Bank?
Lake Ridge Bank's primary federal regulator is the FDIC.
What is Lake Ridge Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lake Ridge Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake Ridge Bank's Texas Ratio?
Its Texas Ratio is 3.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Lake Ridge Bank previously called?
The charter now named Lake Ridge Bank has also operated as State Bank of Cross Plains (1975-2023), per FDIC structure-change records.
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