Middleton, WI · Cert 15091 · Lake Ridge Bcorp Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 8.6% share · #4 of 41 inst. · $2.6B of $30.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.58% | 0.76% | 0.85% | 0.92% | 0.98% | 0.95% | 1.05% | +20 bps | |
| Return on Equity | 5.20% | 5.76% | 7.56% | 8.39% | 8.98% | 9.54% | 9.24% | 10.11% | +172 bps | |
| Net Interest Margin | 2.42% | 2.46% | 2.72% | 2.90% | 2.96% | 3.00% | 3.10% | 3.19% | +29 bps | |
| Efficiency Ratio | 73.32% | 69.67% | 66.75% | 65.07% | 63.63% | 62.34% | 62.48% | 60.75% | -432 bps | |
| Non-Interest Burden | 1.81% | 1.71% | 1.79% | 1.85% | 1.84% | 1.81% | 1.89% | 1.87% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 4.15% | 3.44% | 4.36% | 4.78% | 4.47% | 7.48% | 7.87% | +351 bps | |
| Loan Growth (YoY) | 3.11% | -0.14% | -0.24% | -1.06% | -1.23% | -0.27% | 1.84% | 2.15% | +321 bps | |
| Deposit Growth (YoY) | 8.43% | 7.10% | 4.63% | 4.33% | 5.14% | 4.21% | 8.00% | 8.98% | +464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.51% | 0.35% | 0.48% | 0.42% | 0.39% | 0.37% | 0.34% | -14 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.13% | 0.00% | 0.00% | 0.01% | 0.02% | 0.04% | 0.01% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.03% | 1.04% | 1.03% | 1.04% | 1.02% | 1.02% | -2 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 3.0x | 2.2x | 2.5x | 2.7x | 2.7x | 3.0x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 9.45% | 9.42% | 9.80% | 9.82% | 9.76% | 9.64% | 9.95% | +16 bps | |
| Total Risk-Based Capital | 11.67% | 11.88% | 12.13% | 12.31% | 12.52% | 12.66% | 12.53% | 13.02% | +71 bps | |
| Equity / Assets | 10.32% | 9.89% | 10.18% | 10.38% | 10.46% | 10.37% | 10.22% | 10.46% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.02% | 92.90% | 93.71% | 93.82% | 92.08% | 88.90% | 88.37% | 87.94% | -588 bps | |
| Liquid Assets / Assets | 1.52% | 4.81% | 4.71% | 2.67% | 4.37% | 6.45% | 6.54% | 3.72% | +105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 475% | 463% | 473% | n/a | n/a | |