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Advertiser Disclosure
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 Lake Ridge Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 7, 2026
Lake Ridge Bank's top rates as of October 7, 2026 are 4.22% APY on its 32-Months 32-Month Certificate, 2.84% APY on savings, 1.46% APY on money market accounts, 0.01% APY on checking, 7.125% on its 15-Year Fixed Rate mortgage, personal loans from 13.50% APR, and credit cards from 13.50% APR, according to rates verified by MonitorBankRates. Other Lake Ridge Bank CD rates include 22-Months 22-Month Certificate at 3.44%, 48-59-Months 48-59-Month Certificate at 2.93%, and 60-Months 60-Month Certificate at 2.93%. Other Lake Ridge Bank mortgage rates include 30 Year Mortgage at 7.613%, and 30-Year Fixed Rate at 7.50%. MonitorBankRates evaluates the financial stability of Lake Ridge Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.83%. Rates last updated and verified on 10/07/2026. Lake Ridge Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lake Ridge Bank? Share your experience about Lake Ridge Bank by leaving a review below, or read customer reviews before you decide to use Lake Ridge Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Lake Ridge Bank CD Rates
Lake Ridge Bank Savings Rates
Lake Ridge Bank Business Savings Rates
Lake Ridge Bank Money Market Rates
Lake Ridge Bank Business Money Market Rates
Lake Ridge Bank Checking Rates
Lake Ridge Bank Mortgage Rates
Lake Ridge Bank Credit Card Rates
Lake Ridge Bank Personal Loan Rates
Lake Ridge Bank Other Rates
Financial Health HistoryLake Ridge Bank’s Texas Ratio stayed near 3.24% in Q3 2023 to 2.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Lake Ridge Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Lake Ridge Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Lake Ridge Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Lake Ridge Bank
Bank Holding Company
LAKE RIDGE BCORP INC
Address
8301 University Ave,
Middleton, WI 53562 · Dane
Website
https://www.lakeridge.bank
FDIC Certificate #
15091
Established
19080101
FDIC Insurance Date
19340101
Domestic Offices
20
Total Branches
20
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.83%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0467%
Return on Equity (ROE)
10.1100%
Non-Performing Loans (NPL)
0.25%
Total Assets
$3,353,305,000
Total Deposits
$2,788,408,000
Equity Capital
$350,690,000
Net Income
$17,378,000
Headquarters
Middleton
Total Branches and Offices
20
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Lake Ridge BankHow many branches does Lake Ridge Bank operate?Lake Ridge Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Lake Ridge Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Lake Ridge Bank provides members with tools to manage their accounts and build a solid financial history. Does Lake Ridge Bank offer online and mobile banking?Most modern institutions like Lake Ridge Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakeridge.bank. Current Lake Ridge Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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