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Lake Ridge Bank

Middleton, WI · Cert 15091 · Lake Ridge Bcorp Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lake Ridge Bank

Middleton, WI · Cert 15091 · Lake Ridge Bcorp Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$3.4BAssets
$2.5BLoans
$2.8BDeposits
$350.7MEquity
Loan mix
90%RE $2.1B9%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.2B20%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.98%Q2 ’245.11%Q2 ’255.11%Q2 ’26+22%+10%

Non-interest income vs. expense

2.35%Q2 ’242.45%Q2 ’252.47%Q2 ’26+2%+1%

Market Position · Madison, WI · 2026 SOD (annual) · 8.6% share · #4 of 41 inst. · $2.6B of $30.1B

9.8% Dane
4.3% Rock
2.0% Sauk
2.9% Green

Executive Summary

  • Earnings: ROA of 1.05%, up 20 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.34% of loans (-14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.95%, up 16 bps from a year ago.
  • Funding: loans stand at 87.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+29 bps YoY

Efficiency Ratio (YTD, annualized)

60.75%-432 bps YoY

Tier 1 Leverage Ratio

9.95%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.92%0.98%0.95%1.05%+20 bps
Return on Equity8.39%8.98%9.54%9.24%10.11%+172 bps
Net Interest Margin2.90%2.96%3.00%3.10%3.19%+29 bps
Efficiency Ratio65.07%63.63%62.34%62.48%60.75%-432 bps
Non-Interest Burden1.85%1.84%1.81%1.89%1.87%+2 bps
Growth
Asset Growth (YoY)4.36%4.78%4.47%7.48%7.87%+351 bps
Loan Growth (YoY)-1.06%-1.23%-0.27%1.84%2.15%+321 bps
Deposit Growth (YoY)4.33%5.14%4.21%8.00%8.98%+464 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.42%0.39%0.37%0.34%-14 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.04%0.01%0 bps
Allowance / Loans1.04%1.03%1.04%1.02%1.02%-2 bps
Allowance Coverage of NPLs2.2x2.5x2.7x2.7x3.0x+0.8x
Capital
Tier 1 Leverage Ratio9.80%9.82%9.76%9.64%9.95%+16 bps
Total Risk-Based Capital12.31%12.52%12.66%12.53%13.02%+71 bps
Equity / Assets10.38%10.46%10.37%10.22%10.46%+7 bps
Liquidity & Funding
Loans / Deposits93.82%92.08%88.90%88.37%87.94%-588 bps
Liquid Assets / Assets2.67%4.37%6.45%6.54%3.72%+105 bps
CRE / Total Capitaln/a475%463%473%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lake Ridge Bank

Middleton, WI · Cert 15091 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Lake Ridge Bcorp Inc.

State charter, non-member · FDIC · 20 branches

Q2 2026

$3.4BAssets
$2.5BLoans
$2.8BDeposits
$350.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 95 of 258).
  • Widest gap: net interest margin trails 72% of banks $1B-$10B in assets operating in a single state (rank 187 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.04%

Rank 170 of 258

Net Interest Margin

3.19%

Rank 187 of 258

Efficiency Ratio

65.85%

Rank 177 of 257

Equity / Assets

10.46%

Rank 120 of 258

Non-interest income vs. expense

$20.0M$82.2MINCOMEEXPENSE
Unfavorable gap of $62.3M · efficiency ratio beats 32% of banks $1B-$10B in assets operating in a single state
Bank 65.85%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.93%1.23%1.54%Beats 34%170 / 258
Return on Equity9.91%9.26%11.84%14.74%Beats 32%176 / 258
Net Interest Margin3.19%3.16%3.49%3.88%Beats 28%187 / 258
Efficiency Ratio65.85%51.71%60.30%69.65%Beats 32%177 / 257
Asset Quality
Nonperforming Loans / Loans0.34%0.19%0.46%0.90%Beats 60%104 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 64%95 / 258
Capital
Tier 1 Capital Ratio11.97%11.41%12.98%15.12%Beats 32%175 / 258
Total Risk-Based Capital Ratio13.02%12.10%13.91%16.08%Beats 38%160 / 258
Equity / Assets10.46%9.09%10.24%11.72%Beats 53%120 / 258
Liquidity & Funding
Loans / Deposits87.94%73.24%86.34%95.95%55th pctl115 / 258
Loans / Assets73.12%63.01%72.27%78.40%53rd pctl122 / 258
Brokered Deposits / Depositsn/aNot reported for this institution