Lake Ridge Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 7.3% from Q1 2026 to Q2 2026, ending at -$17.6M against -$19.0M. It was the largest change among the key lines on this page. Within Wisconsin, Lake Ridge Bank is 61st of 85 on CET1 ratio, 11.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Lake Ridge Bank sits 1.52 points lower, at 11.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.97% |
| Tier 1 risk-based capital ratio | 11.97% |
| Total risk-based capital ratio | 13.02% |
| Tier 1 leverage ratio | 9.95% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $326.8M |
| Tier 1 capital | $326.8M |
| Total risk-based capital | $355.5M |
| Total equity capital | $350.7M |
| Risk-weighted assets | $2.73B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.46% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 10.54% |
| Internal capital growth rate | 10.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $149K |
| Common stock surplus | $209.8M |
| Retained earnings | $158.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.11% | 10.11% | 11.09% | 9.17% | $2.65B |
| Q4 2023 | 10.18% | 10.18% | 11.15% | 9.15% | $2.66B |
| Q1 2024 | 10.44% | 10.44% | 11.43% | 9.14% | $2.62B |
| Q2 2024 | 10.59% | 10.59% | 11.58% | 9.36% | $2.63B |
| Q3 2024 | 10.68% | 10.68% | 11.67% | 9.49% | $2.65B |
| Q4 2024 | 10.91% | 10.91% | 11.88% | 9.45% | $2.63B |
| Q1 2025 | 11.14% | 11.14% | 12.13% | 9.42% | $2.62B |
| Q2 2025 | 11.31% | 11.31% | 12.31% | 9.80% | $2.64B |
| Q3 2025 | 11.51% | 11.51% | 12.52% | 9.82% | $2.65B |
| Q4 2025 | 11.64% | 11.64% | 12.66% | 9.76% | $2.67B |
| Q1 2026 | 11.52% | 11.52% | 12.53% | 9.64% | $2.75B |
| Q2 2026 | 11.97% | 11.97% | 13.02% | 9.95% | $2.73B |
Lake Ridge Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Ridge Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lake Ridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15091) · FFIEC NIC profile (RSSD 525549)