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Lake Ridge Bank
Middleton, WI · FDIC Certificate #15091 · Chartered 01/0
Total assets
$3.35B
Total deposits
$2.79B
Total equity
$350.69M
Net loans
$2.43B
Branches (offices)
20
Net income (YTD)
$17.38M
Rank: #383 of 4,213 U.S. banks by assets · #8 of 153 in Wisconsin. Assets changed 7.9% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 10.11% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 10.46% |
| Tier 1 leverage ratio | 9.95% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 87.0% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.11B | 86.8% | |
| Commercial & industrial | $221.67M | 9.1% | |
| Consumer / individual | $20.34M | 0.8% | |
| Construction & development | $185.64M | 7.6% | |
| Agricultural | $36.26M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.60B | $1.43B | $10.37M | $158.00M |
| Jun 2023 | $2.93B | $2.23B | $8.81M | $291.14M |
| Jun 2024 | $2.98B | $2.45B | $7.13M | $301.59M |
| Jun 2025 | $3.11B | $2.56B | $13.26M | $322.78M |
| Jun 2026 | $3.35B | $2.79B | $17.38M | $350.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $2.79B | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.79B.
Similar-sized banks
Banterra Bank ($3.36B) · Libertyville Bank & Trust Company, National Association ($3.34B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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