Lake Ridge Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Ridge Bank of Middleton, WI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.46% | -0.32% | 39th below |
| ROAE | 11.01% | 12.72% | -1.71% | 41st below |
| Net Interest Margin | 3.44% | 3.85% | -0.41% | 33rd below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.74% | 57.40% | +1.34% | 50th above |
| PPNR / Avg Assets | 1.39% | 1.88% | -0.49% | 31st below |
| Yield on Earning Assets | 5.48% | 5.72% | -0.24% | 47th below |
| Cost of Funds | 2.22% | 2.02% | +0.20% | 36th below |
| Net Interest Spread | 2.80% | 3.18% | -0.38% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 1.00% | -0.62% | 67th above |
| NPA / Total Assets | 0.32% | 0.76% | -0.44% | 62nd above |
| NCO / Avg Loans | -0.03% | 0.43% | -0.46% | 95th top |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 269.97% | 543.71% | -273.74% | 66th above |
| Texas Ratio | 3.26% | 7.39% | -4.13% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 163.53% | 619.30% | -455.77% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.97% | 17.34% | -5.37% | 24th bottom |
| Tier 1 Ratio | 11.97% | 17.38% | -5.41% | 24th bottom |
| Total Capital Ratio | 13.02% | 18.43% | -5.41% | 23rd bottom |
| Leverage Ratio | 9.95% | 11.44% | -1.49% | 35th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.46% | 11.34% | -0.88% | 51st above |
| TCE / Tangible Assets | 9.24% | 10.50% | -1.26% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.94% | 86.95% | +0.99% | 51st above |
| Core Deposit Ratio | 98.12% | 85.54% | +12.58% | 96th top |
| Uninsured Deposit Ratio | 29.38% | 33.13% | -3.75% | 56th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.48% | 5.70% | -0.22% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.87% | 9.68% | -1.81% | 67th above |
| Loan Growth (Y/Y) | 2.15% | 8.06% | -5.91% | 29th below |
| Deposit Growth (Y/Y) | 8.98% | 7.87% | +1.11% | 71st above |
See Lake Ridge Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Ridge Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lake Ridge Bank profile, how to read a UBPR, or how this data updates.