Lake Ridge Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Lake Ridge Bank is a community bank chartered in 1908, based in Middleton, WI. Returns are in line with industry norms at 1.14% ROA and 11.01% ROE; net interest margin is 3.44%. Lake Ridge's Q2 2026 balance sheet shows $3.4B in assets funded primarily by $2.8B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 11.97% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.38% NPLs and a 3.26% Texas Ratio. Lake Ridge operates a 20-branch network.
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 0.38%, a Texas ratio of 3.26%, per financial data filed with the FFIEC.
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)
- Offices
- 20 domestic
- Employees (FTE)
- 375
- Domestic deposits
- $2.79B
- Allowance for credit losses
- $25.1M
- Net charge-offs (YTD)
- $85K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lake Ridge Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lake Ridge 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 1.14% | 0.38% | 3.26% | 3.44% |
| Q1 2026 | 11.52% | 0.94% | 0.40% | 3.51% | 3.26% |
| Q4 2025 | 11.64% | 1.16% | 0.41% | 3.24% | 3.47% |
| Q3 2025 | 11.51% | 1.05% | 0.44% | 3.49% | 3.36% |
| Q2 2025 | 11.31% | 0.95% | 0.48% | 3.91% | 3.19% |
| Q1 2025 | 11.14% | 0.75% | 0.35% | 2.96% | 2.86% |
| Q4 2024 | 10.91% | 0.74% | 0.51% | 4.55% | 2.86% |
| Q3 2024 | 10.68% | 0.62% | 0.57% | 5.00% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2023 | Structure Change | Acquired Monona Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 8, 2010 | Structure Change | Acquired The Black Earth State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for Lake Ridge Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Lake Ridge Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Lake Ridge Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. 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 11.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lake Ridge Bank operate?
Lake Ridge Bank 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?
Lake Ridge Bank's Texas Ratio is 3.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Lake Ridge Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Lake Ridge Bank, freeFree account