Lake Ridge Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 18.65 percentage points in Q2 2026, from 351.09% to 332.44%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Lake Ridge Bank is 79th of 153 on loan-to-deposit ratio, 87.94% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Lake Ridge Bank reported 87.94% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.45B |
| Net loans and leases | $2.43B |
| Loans held for sale | $2.0M |
| Loans to total assets | 73.12% |
| Loan-to-deposit ratio | 87.94% |
| Net loans to equity capital | 6.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.96% |
| Multifamily (5+ residential) | 21.28% |
| Commercial and industrial | 9.04% |
| Consumer | 0.83% |
| Credit cards | 0.29% |
| Farm | 4.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 332.44% |
| Construction concentration (Tier 1 capital + allowance) | 52.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $37.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.36B | $2.29B | 35.12% | 9.99% | 0.69% |
| Q4 2023 | $2.42B | $2.43B | 33.46% | 9.25% | 0.66% |
| Q1 2024 | $2.40B | $2.45B | 34.57% | 9.47% | 0.62% |
| Q2 2024 | $2.43B | $2.45B | 34.93% | 8.90% | 0.62% |
| Q3 2024 | $2.44B | $2.49B | 34.43% | 8.69% | 0.69% |
| Q4 2024 | $2.41B | $2.60B | 33.96% | 8.39% | 0.72% |
| Q1 2025 | $2.40B | $2.56B | 33.85% | 8.48% | 0.91% |
| Q2 2025 | $2.40B | $2.56B | 33.91% | 9.08% | 0.88% |
| Q3 2025 | $2.41B | $2.62B | 31.83% | 9.83% | 0.84% |
| Q4 2025 | $2.41B | $2.71B | 31.69% | 9.43% | 0.81% |
| Q1 2026 | $2.44B | $2.76B | 33.11% | 8.99% | 0.80% |
| Q2 2026 | $2.45B | $2.79B | 31.96% | 9.04% | 0.83% |
Lake Ridge Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Ridge Bank, freeSource: Call Report Schedule RC-C, 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)