Lake Ridge Bank
Lake Ridge Bank is an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $3.3B in total assets and $2.8B in deposits. Profitability tracks the broader industry — ROA 0.94%, ROE 9.24%, NIM 3.26%. Capital is comfortably above regulatory minimums — CET1 ratio of 11.52% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.40%. Lake Ridge operates a 20-branch network.
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
- Fed District
- 9
- Established
- January 1, 1908
- Branches
- 20 domestic
- Employees (FTE)
- 372
- FDIC Cert
- 15091
- Fed RSSD
- 525549
- Website
- www.lakeridge.bank →
- Parent Holding Company
- LAKE RIDGE BANCORP, INC. (RSSD 2336806)
Capital & Liquidity
Inside the full Lake Ridge Bank terminal
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Lake Ridge Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
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Frequently asked about Lake Ridge Bank
What are Lake Ridge Bank's total assets?
As of the Q1 2026 filing, Lake Ridge Bank reported total assets of $3.33 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake Ridge Bank headquartered?
Lake Ridge Bank is headquartered in MIDDLETON, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lake Ridge Bank founded?
Lake Ridge Bank was established in 1908, per the FDIC institution directory.
Is Lake Ridge Bank FDIC-insured?
Yes. Lake Ridge Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lake Ridge Bank's CET1 capital ratio?
Lake Ridge Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.52% in its most recent quarterly filing — above regulatory minimums.
How many branches does Lake Ridge Bank operate?
Lake Ridge Bank operates 20 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lake Ridge Bank's Texas Ratio?
Lake Ridge Bank's Texas Ratio is 3.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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