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Lake Ridge BancorpLRBI +4.32%44 Equity-to-Asset is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates LRBI with a GF Score™ of 44/100 and a GF Value™ of $128.30 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Lake Ridge Bancorp ranks worse than 55.74% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Lake Ridge Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $311.4 Mil. Lake Ridge Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $3,355.1 Mil.
Therefore, Lake Ridge Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Lake Ridge Bancorp's Equity-to-Asset or its related term are showing as below:
LRBI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.08 Max: 0.09
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Lake Ridge Bancorp was 0.09. The lowest was 0.08. And the median was 0.08.
LRBI's Equity-to-Asset is ranked worse than 55.74% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs LRBI: 0.09
Lake Ridge Bancorp (OTCPK:LRBI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Lake Ridge Bancorp Equity-to-Asset Related Terms
Lake Ridge Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Lake Ridge Bancorp's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LRBI vs WNEB, FUNC, TRUX: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Lake Ridge Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lake Ridge Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Lake Ridge Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Lake Ridge Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Lake Ridge Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Lake Ridge Bancorp (LRBI) has a Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Lake Ridge Bancorp and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Lake Ridge Bancorp's Equity-to-Asset has ranged from 0.08 to 0.09. According to the industry distribution chart, Lake Ridge Bancorp ranks #850 out of 1525 companies in the Banks industry, placing it in the top 55.7%.
Is Lake Ridge Bancorp's Equity-to-Asset too high?
Lake Ridge Bancorp's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Lake Ridge Bancorp's value of 0.09 is 10% below this industry median. Based on the distribution chart, Lake Ridge Bancorp ranks #850 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Lake Ridge Bancorp has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Ridge Bancorp's Equity-to-Asset compare to WNEB and FUNC?
According to the Banks industry distribution chart, Lake Ridge Bancorp ranks #850 out of 1525 companies for Equity-to-Asset. This places Lake Ridge Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Lake Ridge Bancorp's value of 0.09 is 10% below this benchmark. Historically, Lake Ridge Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Lake Ridge Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Ridge Bancorp's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Lake Ridge Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Ridge Bancorp's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lake Ridge Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lake Ridge Bancorp (LRBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $128.30, compared to a current price of $169.00 — trading 31.7% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. Lake Ridge Bancorp's overall GF Score™ is 44/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Lake Ridge Bancorp (LRBI), the current Equity-to-Asset is 0.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lake Ridge Bancorp (LRBI) Overvalued in 2026?
Based on GuruFocus' analysis, Lake Ridge Bancorp stock appears to be overvalued.
The current stock price of $169.00 is trading 31.7% above its estimated GF Value™ of $128.30.
GuruFocus considers Lake Ridge Bancorp to be Significantly Overvalued.
Key valuation signals for LRBI:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $128.30 vs. price of $169.00 (31.7% above fair value)
Industry Position: 10% below the Banks median (#850 of 1525)
No single metric tells the full story. See the LRBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lake Ridge Bancorp Inc is a bank holding company. It provides a variety of financial services to individual and corporate customers through its subsidiary. The Bank operates as a full-service financial institution, with a primary market area including, but not limited to, Dane County, Rock County, Sauk County, and Green County, Wisconsin. It offers a full range of Business and Personal Financial Services, including Business, Real estate, and Consumer lending, as well as Wealth Management, Mortgage, Agriculture Division, and Financial Advisory services. Its products and services are Digital banking, Loans, Executive banking, Investments, and account cards.
44GF Score
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