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Lake Ridge Bank


ACH Number: 75904953

Lake Ridge Bank is an FDIC insured institution headquartered at 8301 University Ave, Middleton, WI 53562.
It was founded in 1908 and has approximately $3 billion in assets. Customers can open an account at one of its 9 branches.

Deposit Rates - July 18, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
30 Mo CD
0.35% $10,000 Compare
30 Mo CD
0.35% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.65% $10,000 Compare
48 Mo CD
0.65% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.01% $2,500 Compare
Money Market
0.01% $10,000 Compare
Money Market
0.06% $25,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15091
Date Established 1908
Assets $ 3.27 billion
Loans $ 2.38 billion
Deposits $ 2.71 billion
Capital $ 339.45 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 246.25 million
Interest-bearing balances $ 207.26 million
Total securities $ 407.87 million
Federal funds sold and reverse repurchase $ 17.88 million
Net loans and leases $ 2.38 billion
Loan loss allowance $ 25.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.34 million
Goodwill and other intangibles $ 57.74 million
All other assets $ 64.22 million
     Total Assets $ 2.93 billion

LIABILITIES
Total deposits $ 2.71 billion
      Interest-bearing deposits $ 2.13 billion
      Deposits held in domestic offices $ 2.71 billion
      % insured (estimated)" 69.14%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 13.27 millionn
      Total Liabilities $ 2.93 billion
      Shareholders’ Equity $ 339.45 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 163.42 million
Total Interest Expense $ 68.03 million
Net interest income $ 95.39 million
Provision for loan and lease losses $ 2.08 million
Total non interest income $ 19.20 million
Total non interest expense $ 77.69 million
Pre-tax Net Operating Income $ 13.83 million

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