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Overview / Commentary
13925 West North Avenue
Brookfield, WI 53005

RidgeStone Bank is headquartered in Brookfield and is the 48th largest bank in the state of Wisconsin. It is also the 1,698th largest bank in the nation. It was established in 1995 and as of December of 2013, it had grown to 109 employees at 2 locations. RidgeStone Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 RidgeStone Bank had $12.31 million in non-current loans and owned real-estate with $58.02 million in equity and loan loss allowances on hand to cover it. This gives RidgeStone Bank a Texas Ratio of 21.21% which is above 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 dramatically from 49.29% as of December 31, 2012 to 21.21% as of December 31, 2013, resulting in a positive change of 56.97%.This indicates that the balance sheet and financial strength for RidgeStone Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, RidgeStone Bank has decreased its total deposits by -$19.62 million, resulting in -5.79% 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 below average.



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 $388.73 million in assets with $58.02 million in equity, resulting in a capitalization level of 14.93%, which is excellent.

Institution Statistics

FDIC Certificate #34101
Year Established1995
Primary RegulatorFDIC
Assets and Liabilities
Assets$388.73 million
Loans$305.94 million
Deposits$319.03 million
Equity Capital$49.81 million
Loan Loss Allowance$8.21 million
Unbacked Noncurrent Loans$7.87 million
Real Estate Owned$4.44 million
Historic Data - December 2012
Assets$400.34 million
Equity Capital$43.51 million
Loan Loss Allowance$10.53 million
Unbacked Noncurrent Loans$7.87 million
Real Estate Owned$17.88 million
Profit Margin - Quarterly
Net Interest Margin4.99%
Return on Assets1.86%
Return on Equity15.59%
Interest Income$20.28 million

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RidgeStone Bank Savings Account Rates

0.40%$2,500$50kMomentum Savings
0.25%--Regular Savings
0.25%--IRA Savings
0.25%--Business Savings
0.25%--Roth IRA Savings

RidgeStone Bank Money Market Rates

0.30%$100k-Personal Money Market
0.30%$100k-Business Money Market
0.30%$100k-IRA Money Market

RidgeStone Bank Checking Account Rates

0.10%$500-Interest Checking

RidgeStone Bank CD Rates

1.25%$10k$95k60 Month CD
1.25%$10k$95k60 Month Business CD
0.90%$10k$95k48 Month CD
0.90%$10k$95k48 Month Business CD
0.75%$10k-7 Month Special CD
0.75%$10k-7 Month Special Business CD
0.70%$10k$95k36 Month CD
0.70%$10k$95k36 Month Business CD
0.60%$10k$95k24 Month CD
0.60%$10k$95k24 Month Business CD
0.50%$10k$95k18 Month CD
0.50%$10k$95k18 Month Business CD
0.40%$10k$95k12 Month CD
0.40%$10k$95k12 Month Business CD
0.25%$10k$95k6 Month CD
0.25%$10k$95k6 Month Business CD

RidgeStone Bank IRA Rates

1.25%$1k$95k60 Month IRA (Traditional,Roth)
0.90%$1k$95k48 Month IRA (Traditional,Roth)
0.75%$5k-7 Month Special IRA (Traditional,Roth)
0.70%$1k$95k36 Month IRA (Traditional,Roth)
0.60%$1k$95k24 Month IRA (Traditional,Roth)
0.50%$1k$95k18 Month IRA (Traditional,Roth)
0.40%$1k$95k12 Month IRA (Traditional,Roth)
0.25%$1k$95k6 Month IRA (Traditional,Roth)

RidgeStone Bank Locations
Schaumburg Office Branch10 N Martingal Rd Suite 100Schaumburg, IL 60173
Ridgestone Bank13925 West North AvenueBrookfield, WI 53005