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Lake Ridge Bank
Middleton, WI·FDIC Cert #15091·Charter: STATE·Est. 19080101.0·HC: LAKE RIDGE BCORP INC
Total Assets
$3.3B
Q4 2025
Return on Assets
0.98%
+0.06%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.34%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.98%+0.06
ROE
9.54%+0.56
Efficiency
62.34%-1.30
Equity/Assets
0.00%+0.00
NPL Ratio
0.39%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.98%-3.15
Charge-offs
0.02%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.5 | 0.6 | 0.8 | 0.9 | 0.9 | 1.0 |
| ROE | 3.7 | 4.7 | 5.2 | 5.8 | 7.6 | 8.4 | 9.0 | 9.5 |
| Efficiency | 78.7 | 74.5 | 73.3 | 69.7 | 66.8 | 65.1 | 63.6 | 62.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.6 | 0.5 | 0.4 | 0.5 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 97.3 | 97.9 | 97.0 | 92.0 | 92.8 | 92.8 | 91.1 | 88.0 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.7B
Total Loans$2.4B
Total Equity$339.4M
Profitability
ROA0.98%
ROE9.54%
Efficiency Ratio62.34%
Net Income$30.9M
Risk & Asset Quality
NPL Ratio0.39%
Charge-off Rate0.02%
Loan/Deposit87.98%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans