Lake Ridge Bank (FDIC #15091): Bank Stress & Real-Estate Credit Exposure
Lake Ridge Bank (FDIC Cert #15091): bank stress 68/100, elevated, STABLE over 7 days; parent LAKE RIDGE BCORP INC.
Lake Ridge Bank (#15091) lends in 4 counties across 1 state; Lake Ridge Bank (#15091) reaches 86 ZIP codes: Wisconsin 4 counties, 86 ZIPs.
Lake Ridge Bank (#15091) largest markets: Dane County, WI (736 branches, 46 ZIPs) (#15091), Rock County, WI (40 branches, 20 ZIPs) (#15091), Sauk County, WI (19 branches, 19 ZIPs) (#15091), Green County, WI (12 branches, 12 ZIPs) (#15091).
Lake Ridge Bank (#15091) reports $3.35 billion in total assets; Lake Ridge Bank (#15091) equity $350.7 million (10.5% of Lake Ridge Bank (#15091) assets); Lake Ridge Bank (#15091) domestic deposits $2.79 billion; Lake Ridge Bank (#15091) net income $17.4 million; Lake Ridge Bank (#15091) return on assets 1.05%; Lake Ridge Bank (#15091) return on equity 10.11%; Lake Ridge Bank (#15091) net interest income $52.5 million; Lake Ridge Bank (#15091) call report June 30, 2026.
Lake Ridge Bank (#15091) noncurrent real-estate loans 0.02% of its book; Lake Ridge Bank (#15091) residential 0.06%; Lake Ridge Bank (#15091) net charge-offs on real estate 0.31%; Lake Ridge Bank (#15091) residential charge-offs 0.27%.
Lake Ridge Bank (#15091) net interest margin 3.43% against an eight-quarter Lake Ridge Bank (#15091) average of 3.08% (Lake Ridge Bank (#15091) compression -0.34 points); Lake Ridge Bank (#15091) real-estate loans 2.3% of equity; Lake Ridge Bank (#15091) non-residential real estate 27.3% of equity; Lake Ridge Bank (#15091) rate-exposure score 40/100, Lake Ridge Bank (#15091) fixed-rate trap 40/100; Lake Ridge Bank (#15091) risk type credit driven; Lake Ridge Bank (#15091) rate regime rates elevated, Lake Ridge Bank (#15091) snapshot October 19, 2026.
Lake Ridge Bank (#15091) stress score moved from 69.2 on June 22, 2026 to 68 on October 20, 2026; Lake Ridge Bank (#15091) ranged 68 to 69.2 over 117 snapshots.
Lake Ridge Bank (#15091) alerts: 4 counties; top Lake Ridge Bank (#15091) alert scores: Janesville County, WI 23 (low); New Glarus County, WI 23 (low); Sauk City County, WI 23 (low); Waunakee County, WI 23 (low).