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Overview / Commentary
13925 West North Avenue
Brookfield, WI 53005

RidgeStone Bank is headquartered in Brookfield and is the 50th largest bank in the state of Wisconsin. It is also the 1,742nd largest bank in the nation. It was established in 1995 and as of March of 2014, it had grown to 119 employees at 2 locations. RidgeStone Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 RidgeStone Bank had $11.69 million in non-current loans and owned real-estate with $62.28 million in equity and loan loss allowances on hand to cover it. This gives RidgeStone Bank a Texas Ratio of 18.77% 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 51.50% as of March 31, 2013 to 18.77% as of March 31, 2014, resulting in a positive change of 63.55%.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 -$21.19 million, resulting in -6.38% 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 $380.46 million in assets with $62.28 million in equity, resulting in a capitalization level of 16.37%, which is excellent.

Institution Statistics

FDIC Certificate #34101
Year Established1995
Primary RegulatorFDIC
Assets and Liabilities
Assets$380.46 million
Loans$292.37 million
Deposits$310.93 million
Equity Capital$52.86 million
Loan Loss Allowance$9.42 million
Unbacked Noncurrent Loans$7.40 million
Real Estate Owned$4.29 million
Historic Data - March 2013
Assets$395.80 million
Equity Capital$45.74 million
Loan Loss Allowance$9.52 million
Unbacked Noncurrent Loans$7.40 million
Real Estate Owned$16.82 million
Profit Margin - Quarterly
Net Interest Margin5.16%
Return on Assets2.83%
Return on Equity21.23%
Interest Income$5.09 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
0.85%$10k-7 Month Special CD
0.85%$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
0.90%$1k$95k48 Month IRA
0.85%$1k-7 Month Special IRA
0.70%$1k$95k36 Month IRA
0.60%$1k$95k24 Month IRA
0.50%$1k$95k18 Month IRA
0.40%$1k$95k12 Month IRA
0.25%$1k$95k6 Month IRA

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