🏦Bank Scorer

LAKE RIDGE BANK

MIDDLETON, WI · Supervised by FDIC

Est. 1908FDIC #15,091RSSD: FDIC-15091
Part ofLAKE RIDGE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

8301 University Ave, MIDDLETON, WI

County

Dane County

Established

January 1, 1908

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.8B

Net Loans

$2.4B

Net Income

$8M

ROA

0.95%

ROE

9.24%

Risk-Based Capital

12.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.97%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

19

Branch Deposits

$2.6B

1-Year Change

0

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202484677.54%6.97%
202336775.2%5.18%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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