# LAKE RIDGE BANK
MIDDLETON, WI · FDIC certificate 15091 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.35B | |
| Deposits | $2.79B | |
| Loans and leases | $2.45B | |
| Total equity | $350.7M | |
| Loans / deposits | 87.04% (p50 of band) | 87.10% |
| Liquid assets / assets | 21.08% (p49 of band) | |
| Uninsured deposits / deposits | 29.38% (p45 of band) | 30.76% |
| Brokered deposits | 0.17% | |
| Wholesale funding | 5.65% (p48 of band) | |
| FHLB advances / assets | 5.48% | |
| Tier 1 leverage | 9.95% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -6.50% (p55 of band) | -7.75% |
| AOCI / equity | -0.61% (p30 of band) | |
| ROA (annualized) | 1.05% (p34 of band) | 1.26% |
| Net interest margin | 3.43% (p33 of band) | 3.70% |
| Efficiency ratio | 60.75% (p56 of band) | |
| Noncurrent loans | 0.34% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p32 of band) | |
| Reserve coverage of noncurrent | 297.29% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 52.94% (p56 of band) | |
| Auto loans | $1.5M (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $27.3M (8% of equity) (p86 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 375 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | capital falling, noncurrent p90 |  |
| 2012-03 | 2 |  | construction >100% equity, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | deposits shrinking, assets shrinking |  |
| 2014-03 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | deposits shrinking |  |
| 2014-12 | 2 |  | deposits shrinking |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | construction >100% equity |  |
| 2017-09 | 1 |  | noncurrent p90, capital falling, construction >100% equity |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 2 | loans exceed deposits, capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | loans exceed deposits |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [SSM Health, the Madison Development Corporation and Community Partners Celebrate Opening of The Bank - SSM Health](https://news.google.com/rss/articles/CBMifkFVX3lxTE42eTNHVFhJZkNMaTBPTnloTGVzYlBRNHljY29RdTFNckx4RHZJU3czd2lXdk5yc2hRNmt4b3YzYkFrNGRsQVFXT01IakpXaGtUTkRxWmhSNU56bHkwVVZBYV9qOWI4RGlXa1BsMTN4OTJyUC1Wb0RyVzZ2WnpmQQ?oc=5) · SSM Health
- 2026-03-08 [Lake Ridge Bank celebrates grand opening in Janesville - GazetteXtra](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQX2hsUEpPeDQ2b29MTWVKQ0hUNU9fUWM5c2hTSzlHTW9XdVo3dWstV0VXYkZTUElfRkdBZ1RvYnJUZ0FnMGNoMXg5WEg0eTFkeGNRLVpBRjBVb0NqSE5OT1pJRlllZmJMUGU2Qno5Rk9jN3RWTndLR2hKZlU0bmhYVWY4SlZJUjlORXNqaDExVHhDYmFwZGZjWkQwRUNMQkYwR29jbG9pVHlyOGdBaUgweVZua0lDVmYtYlA1NmR5ZExvUFRoTjVLQmhDbDFxNEIwSWY0UkdZdlJneFU?oc=5) · GazetteXtra
- 2026-06-17 [In Business Madison Data Center - In Business Madison](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBLSW1FckUwSEttZmxPYmk5cUVfaFdRbHNTbk55YXo3ZEVXZUJtNmZmb2dHTTZuRWxPd1pNS3o2NUpCelNZUzByMF9XS0dGYjZJ?oc=5) · In Business Madison
- 2026-03-11 [SSM Health, Workforce Housing Fund II and Lake Ridge Bank partner on 40-unit workforce housing project - SSM Health](https://news.google.com/rss/articles/CBMiygFBVV95cUxOX1dGNWpRYk1SY0hINkFLNkI3eHJoal9oSDYtQ2xTSVVYUHRYUDZ3VU1DZTQ1b2NtR2FzSjFVcmU4eWpnR3REMnFVcG1fWk14UDB1RHAzTGVnMTluUHNSOHNBLXZoYkllLWxhd245SXhQZFhtdGVXU3RfQ2F2N0NMRE8yY0hyTG91dkFjVHV1cWFBWjcyeWZJcjlza1lPR2VrZ0NOczhiaUdEQ0xFZ1NSMnAxQ1pUU09TUEZfTjlPOVAxODZETjdMQ3N3?oc=5) · SSM Health
- 2026-06-15 [Loop the Lake bike ride returns - channel3000.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOVmV6a2F0OUJiYnIzWjBhWWtzQTUteUdBVFZNOEw5eTdMUktPeDMxM3prdUNqWlFydl9RM05mRERET2R4OXZMNWt4RllmN2RWd0FZV3N6VjlVTkR6c2J2Vno0WU45OU9iSjVlLWZySU1FM0IxTmdTUnJZcnBKak84MDdYUW1EWWZKR2lIUDFaLWlMMmJqSnNLTlpycGl0QTdHTnVhVHczM21oWnMwQTdaNzgzUkJDMFpyTW9j?oc=5) · channel3000.com
- 2026-06-19 [14th annual Loop the Lake returns for a 12 mile ride around Lake Monona - wkow.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNYTZVYi0wM3BXNkNvdklCSjJIdFpGTlM0Ml8zSnJmQWhZOUdBM21oQkVtRmxQNVpnZDNmOEotTHFBVEplYlNsNDdDTXh6YlExeldiTHpWNXprOEozY1pJbUhwbzhONzBUMmtBNkZNeVl1SFlhcXFiRzZhU0czYWJJMnBJTTFCblc0c1h0ckhSWkhGYm43SU5OMC1SemN5OWNsRWV1aFUzQjBOdDA0YnVaUDlpN1pZY1F2VWh5REVtWDZYX2kyMnlsX0Rqd2dQZ0d0dzBhTGNkb3BnN1lfVmJV?oc=5) · wkow.com
- 2026-07-07 [Art Fair on the Square returns to Madison’s Capitol Square - WMTV 15 NEWS](https://news.google.com/rss/articles/CBMijwFBVV95cUxORUo2ZzZjc0V0N2l6cVFOR3JZTmRlQnplTFVEeURzY0NhaFd3YVIzdWI4b1ozYWFRSnhobGNSZk9QQnoxV292M2wyRWtxMXZoNnpLcWVWVlFCNDk0a3dVM09uZVd2Z3d5MVRFMzVlcHVJQzFTMTE4TmFEbElzb2lDSXZJUFZIRjItblQ4Q2VONNIBowFBVV95cUxQWTVJY2JKQmZyMF9fUmI4ZzQyUkt5RkJPLVNGTmtGVlNJdWVqMHl0bmk2Z095d2oyWGZWTDBMZzk1RFE1M2x4UThZR01JZEhZeDlFbUwwYVNhVmFiUmJXOTI4TE91TEVOV2VxYzlRVWZ0V0d2ekJKWDhKLXFBdER3U2lscWxpT1lOU1ExUnVNR3pjaDg1RFZpLVlyWUZmTWlFUEdJ?oc=5) · WMTV 15 NEWS
- 2025-11-06 [Own It seeks institutional partners for institutional change - Isthmus | Madison, Wisconsin](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVWwtNjJuSTE0OHZ5bFM4RHh1aUtKN2JXbVRjZlBsQzhrOXVGbng5T2M2T0dqNGNRekVlaGZMWllUd3FxYzhybXNNVnlrZDJvSXhPS3JfRzBmZWhZcktvbVl6aHV1bXVuMFNncllqZmo3MHh2MDN4Z0cxX0Q3UmYyNG9RdUFOaEpUZFJSSzQ3eXg5aE85cFE?oc=5) · Isthmus | Madison, Wisconsin

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15091 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "15091", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide