RidgeStone Bank

13925 West North Avenue
Brookfield, WI 53005
262-789-1011
www.ridgestone.com

OverView
Rates
Health
Reviews

RidgeStone Bank is headquartered in Brookfield and is the 46^th largest bank in the state of Wisconsin. It is also the 1,564^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 90 employees at 2 locations. RidgeStone Bank's savings rates are 54% higher than the national average, and it has a 3-star health rating.

2.50% 7-Month CD at Ridgestone Bank in IL & WI - Local Only - 3/29/2009

Ridgestone Bank is offering a special 2.50% APY 7-month CD. There's also a special 13-month CD with a 2.25% APY. These are available for personal, IRA and business accounts. New money is required. Minimum deposit depends on the branch. At Brookfield, the...

5.35% Money Market Account Promotion at a Chicago/Milwaukee Bank (Ridgestone) - 9/10/2007

Ridgestone Bank is offering 5.35% APY on its money market account guaranteeed through 12/31/07 with a minimum balance of $40,000. A reader mentioned that this was advertised in yesterday's Chicago Tribune. The rate is also listed in the rate table (links...

5.50% Money Market Account Promotion at a Chicago/Milwaukee Bank (Ridgestone) - 4/2/2007

Ridgestone Bank is offering 5.50% APY on its money market account guaranteeed through 12/31/07 with a minimum balance of $40,000. A reader mentioned that this was advertised in yesterday's Chicago Tribune. This is not listed at the website, and in fact...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

RidgeStone Bank Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Interest Checking

RidgeStone Bank Savings Account Rates

Apy	Min	Max	Product
0.80%	$2,500	-	Momentum Savings
0.25%	-	-	Regular Savings
0.25%	-	-	IRA Savings
0.25%	-	-	Business Savings
0.25%	-	-	Roth IRA Savings

RidgeStone Bank Money Market Rates

Apy	Min	Max	Product
0.55%	$100k	-	Personal Money Market
0.55%	$100k	-	Business Money Market

RidgeStone Bank CD Rates

Apy	Min	Max	Product
1.80%	$10k	$95k	59 Month CD Special
1.80%	$10k	$95k	60 Month CD
1.80%	$10k	$95k	59 Month Business CD Special
1.80%	$10k	$95k	60 Month Business CD
1.30%	$10k	$95k	48 Month CD
1.30%	$10k	$95k	48 Month Business CD
1.00%	$10k	$95k	36 Month CD
1.00%	$10k	$95k	36 Month Business CD
0.95%	$10k	$95k	18 Month CD
0.95%	$10k	$95k	18 Month Business CD
0.95%	$10k	$95k	18 Month Business CD Special
0.95%	$10k	$95k	18 Month CD Special
0.80%	$10k	$95k	24 Month CD
0.80%	$10k	$95k	24 Month Business CD
0.75%	$10k	$95k	12 Month CD
0.75%	$10k	$95k	12 Month Business CD
0.75%	$10k	-	12 Month CD Special
0.75%	$10k	-	12 Month Business CD Special
0.40%	$10k	$95k	6 Month CD
0.40%	$10k	$95k	6 Month Business CD

RidgeStone Bank IRA Rates

Apy	Min	Max	Product
1.80%	$1k	$95k	59 Month IRA Special
1.80%	$1k	$95k	60 Month IRA
1.80%	$1k	$95k	59 Month Roth IRA Special
1.80%	$1k	$95k	60 Month Roth IRA
1.30%	$1k	$95k	48 Month IRA
1.30%	$1k	$95k	48 Month Roth IRA
1.00%	$1k	$95k	36 Month IRA
1.00%	$1k	$95k	36 Month Roth IRA
0.95%	$1k	$95k	18 Month IRA
0.95%	$1k	$95k	18 Month Roth IRA
0.95%	$1k	$95k	18 Month IRA Special
0.95%	$1k	$95k	18 Month Roth IRA Special
0.80%	$1k	$95k	24 Month IRA
0.80%	$1k	$95k	24 Month Roth IRA
0.75%	$1k	$95k	12 Month IRA
0.75%	$1k	$95k	12 Month Roth IRA
0.75%	$1k	-	12 Month Roth IRA Soecial
0.75%	$1k	-	12 Month IRA Special
0.40%	$1k	$95k	6 Month IRA
0.40%	$1k	$95k	6 Month Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

RidgeStone Bank
FDIC Certificate #	34101
BankRate Report	View
Year Established	1995
Employees	90
Primary Regulator	FDIC
Assets and Liabilities
Assets	$425.89 million
Loans	$299.61 million
Deposits	$362.32 million
Equity Capital	$41.39 million
Loan Loss Allowance	$14.86 million
Unbacked Noncurrent Loans	$25.37 million
Real Estate Owned	$16.46 million
Historic Data - March 2011
Assets	$456.84 million
Equity Capital	$42.06 million
Loan Loss Allowance	$11.55 million
Unbacked Noncurrent Loans	$35.66 million
Real Estate Owned	$13.89 million
Profit Margin - Quarterly
Net Interest Margin	3.87%
Return on Assets	0.2%
Return on Equity	2.08%
Interest Income	$4.99 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 RidgeStone Bank had $41.83 million in non-current loans and owned real-estate with $56.25 million in equity and loan loss allowances on hand to cover it. This gives RidgeStone Bank a Texas Ratio of 74.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for RidgeStone Bank decreased slightly from 92.41% as of March 31, 2011 to 74.36% as of March 31, 2012, resulting in a positive change of 19.53%.This indicates that the balance sheet and financial strength for RidgeStone Bank has improved slightly in recent periods.
Deposit Growth
In the past year, RidgeStone Bank has decreased its total deposits by -$27.83 million, resulting in -7.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth RidgeStone Bank has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. RidgeStone Bank has $425.89 million in assets with $56.25 million in equity, resulting in a capitalization level of 13.21%, which is excellent.