PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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