BlastPoint's Banking Scorecard
Lake Ridge Bank
Designations: ✓ Community bank
Middleton, WI
20 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +9.0% year over year ($2.8B on the books).
- Delinquency rate 0.35%.
- Return on assets 1.05%.
- Efficiency ratio 60.75% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.04% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lake Ridge Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Net Interest Margin 0.45% below tier average
- - Efficiency Ratio 1.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+7.9% YoY
+0.6% QoQ
|
+$560.1M |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$2.4B
+2.2% YoY
+0.4% QoQ
|
+$463.8M |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$2.8B
+9.0% YoY
+0.8% QoQ
|
+$469.6M |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.05%
+22.9% YoY
+10.0% QoQ
|
-0.34% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.43%
+10.6% YoY
+2.2% QoQ
|
-0.45% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
60.75%
-6.6% YoY
-2.8% QoQ
|
+1.03% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.35%
-29.0% YoY
-7.3% QoQ
|
-0.52% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
87.04%
-6.2% YoY
-0.5% QoQ
|
+2.00% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.09%
-7.8% YoY
+2.5% QoQ
|
-1.18% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.30%
-20.7% YoY
-6.5% QoQ
|
-0.38% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.97%
+5.9% YoY
+3.9% QoQ
|
-2.87% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.30%
-1.3% YoY
+104.3% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.1%
-1.7pp YoY +0.5pp QoQ |
-1.3pp | 21.4% | 18.9% | 22.2% | 52% |
| Brokered Deposits |
0.2%
0.0pp YoY 0.0pp QoQ |
-9.3pp | 9.5% | 9.2% | 8.5% | 7% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.1%
0.0pp YoY +0.1pp QoQ |
-4.9pp | 14.0% | 10.5% | 12.5% | 40% |
| CRE |
61.4%
+0.2pp YoY -0.6pp QoQ |
+11.4pp | 50.0% | 46.4% | 41.4% | 77% |
| 1-4 Family |
20.6%
0.0pp YoY +0.2pp QoQ |
-5.8pp | 26.4% | 32.3% | 31.3% | 43% |
| Consumer |
0.8%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.7% | 2.6% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
+0.7pp YoY +0.5pp QoQ |
-3.6pp | 15.6% | 15.5% | 19.7% | 23% |
| Leverage Ratio |
10.0%
+0.2pp YoY +0.3pp QoQ |
-1.4pp | 11.3% | 12.6% | 12.6% | 35% |
| Total Capital Ratio |
13.0%
+0.7pp YoY +0.5pp QoQ |
-3.7pp | 16.7% | 16.6% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
375
+9 (+2.5%) YoY +3 (+0.8%) QoQ |
+61 | 313 | 134 | 482 | 75% |
| Assets per Employee ($) |
$8.9M
+5.3% YoY -0.2% QoQ |
-$1.5M | $10.5M | $8.2M | $8.8M | 53% |
| Branch Count |
20
+1 (+5.3%) YoY 0 QoQ |
-0 | 20 | 9 | 18 | 65% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.9% | 1.0% | 35% |
| Allowance Coverage |
2.97x
+37.7% YoY +8.2% QoQ |
-15.74x | 18.71x | 56.89x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.0% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
+1.7pp YoY +0.9pp QoQ |
-2.5pp | 12.6% | 11.8% | 11.6% | 34% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$17.4M
+31.0% YoY — QoQ |
-$1.9M | $19.2M | $7.9M | $40.4M | 65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.