TellerScore

Lake Ridge Bank is a state-chartered bank headquartered in Middleton, Wisconsin, in business for about 118 years. At the end of Q2 2026 it reported $3.4B in total assets and $2.8B in deposits, with 20 offices.

Based on its Q2 2026 filing, Lake Ridge Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 99th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is capital cushion (50/100; 9.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.95%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 87.0% · 29.4% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (63 → 68), mostly because the earnings component improved by 8 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202460
Q1 202562
Q2 202563
Q3 202564
Q4 202566
Q1 202665
Q2 202668
Tier 1 leverage ratio
5.00%7.48%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.49%
Q4 20249.45%
Q1 20259.42%
Q2 20259.80%
Q3 20259.82%
Q4 20259.76%
Q1 20269.64%
Q2 20269.95%
Noncurrent loans
0.34%0.46%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.57%
Q4 20240.51%
Q1 20250.35%
Q2 20250.48%
Q3 20250.42%
Q4 20250.39%
Q1 20260.37%
Q2 20260.34%
Return on assets
0.48%0.76%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.53%
Q4 20240.58%
Q1 20250.76%
Q2 20250.85%
Q3 20250.92%
Q4 20250.98%
Q1 20260.95%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$3.4B9.95%0.34%1.05%87.0%
Q1 202665$3.3B9.64%0.37%0.95%87.5%
Q4 202566$3.3B9.76%0.39%0.98%88.0%
Q3 202564$3.2B9.82%0.42%0.92%91.1%
Q2 202563$3.1B9.80%0.48%0.85%92.8%
Q1 202562$3.1B9.42%0.35%0.76%92.8%
Q4 202460$3.1B9.45%0.51%0.58%92.0%
Q3 202458$3.0B9.49%0.57%0.53%97.0%
Q2 202459$3.0B9.36%0.36%0.48%97.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.95%
35th
Total risk-based capital13.02%
41st
Problem loans0.34%
65th
Net charge-offs0.01%
69th
Return on assets1.05%
34th
Net interest margin3.43%
33rd
Efficiency ratio60.8%
44th
Loans to deposits87.0%
50th
Uninsured deposits29.4%
55th
Loan-loss reserves1.02%
34th
Texas ratio2.6%
62nd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
One Community BankBank Oregon, WI74 out of 100, Strong$2.6B12.8%0.58%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Bank Five NineBank Oconomowoc, WI54 out of 100, Below average$2.5B9.8%1.91%vs
First Business BankBank Madison, WI63 out of 100, Moderate$4.4B10.4%1.06%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs

Deposit insurance

Is my money safe at Lake Ridge Bank?

Yes. Lake Ridge Bank is an FDIC-insured institution (FDIC certificate #15091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($819.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.02% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

Lake Ridge Bank lists 19 offices in 16 cities. Most locations:

  • Cross Plains, WI (2)
  • Middleton, WI (2)
  • Monona, WI (2)
  • Belleville, WI (1)
  • Black Earth, WI (1)
  • Brooklyn, WI (1)
  • Cottage Grove, WI (1)
  • Evansville, WI (1)
  • Janesville, WI (1)
  • Madison, WI (1)
  • Mount Horeb, WI (1)
  • New Glarus, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lake Ridge Bank reported 879 home-loan applications under HMDA (LEI 549300DZ25WXQZZ57J48): 705 originated ($288,475,000 total), 58 denied, and 100 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lake Ridge Bank
Former names
State Bank of Cross Plains
Type
State-chartered bank
FDIC certificate #
15091
RSSD ID
525549
Primary regulator
FDIC
Holding company
Lake Ridge Bcorp Inc
Established
January 1, 1908
Headquarters
8301 University Ave, Middleton, WI 53562
Employees
375

Quick answers

Lake Ridge Bank: common questions

Is Lake Ridge Bank FDIC insured?

Yes. Lake Ridge Bank is an FDIC-insured institution (FDIC certificate #15091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lake Ridge Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lake Ridge Bank ever failed?

There is no failure record for FDIC certificate #15091 in the FDIC failed bank list.

How many branches does Lake Ridge Bank have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Middleton

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
Madison Fire Department Credit UnionCredit union Madison, WI90 out of 100, Very strong$5.5M19.9%0.00%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
The Peoples Community BankBank Mazomanie, WI87 out of 100, Very strong$388.8M12.8%0.14%vs
Mound City BankBank Platteville, WI86 out of 100, Very strong$550.7M13.1%0.11%vs
John Deere Financial, f.s.b.Bank Middleton, WI82 out of 100, Strong$4.9B19.4%0.27%vs