# Lake Ridge Bank Lake Ridge Bank is a full-service community bank serving southern Wisconsin since 2023\. Formed from the merger of State Bank of Cross Plains and Monona Bank, the locally owned bank operates 22+ locations across Dane, Green, and Rock counties with over 300 employees. FDIC insured and Equal Housing Lender. Lake Ridge Bank provides personalized banking with local decision-making and community-focused financial guidance. The bank's mission is to strengthen communities through trusted financial partnerships, offering comprehensive personal banking, business banking, mortgages, wealth management, and agriculture banking services. Known for relationship-based service and commitment to local investment and development. ## Services ### Personal Accounts & Cards - [Checking Accounts](https://www.lakeridge.bank/personal/products-services/accounts/checking): Personal checking with digital access, budgeting tools, free eStatements, and custom debit cards - [Savings & Money Markets](https://www.lakeridge.bank/personal/products-services/accounts/savings): Four savings options including traditional, high-yield, and money market accounts - [CDs & IRAs](https://www.lakeridge.bank/accounts-and-cards/accounts/cds-and-iras/): Certificates of deposit and individual retirement accounts with fixed returns - [Health Savings Accounts (HSA)](https://www.lakeridge.bank/accounts-and-cards/accounts/hsas/): Tax-advantaged health savings; no maintenance fees, balance rolls over year to year, can function as supplemental retirement account - [Credit Cards](https://www.lakeridge.bank/personal/products-services/accounts/credit-cards): Visa credit cards with rewards points, no annual fees, and competitive rates; redeem for travel, cash back, merchandise, and more - [Debit Cards](https://www.lakeridge.bank/accounts-and-cards/cards/debit-cards/): No annual fees, custom designs, digital wallet access, and 35,000+ surcharge-free ATMs - [Gift Cards](https://www.lakeridge.bank/accounts-and-cards/cards/gift-cards/): Prepaid Visa gift cards loadable $10–$1,000, accepted anywhere Visa is accepted; available at any branch - [Card Control](https://www.lakeridge.bank/personal/products-services/digital-banking/card-controls): Set spending limits, lock/unlock cards, block transaction types by merchant or location, and receive real-time alerts from mobile ### Personal Digital Banking - [Online Banking](https://www.lakeridge.bank/personal/products-services/digital-banking/online): 24/7 account access and management - [Mobile Banking](https://www.lakeridge.bank/personal/products-services/digital-banking/mobile): Full-featured mobile app; mobile deposit, instant balances, fund transfers, card controls - [Digital Wallet](https://www.lakeridge.bank/personal/products-services/digital-banking/digital-wallet): Apple Pay, Google Pay, Samsung Pay - [Credit Sense](https://www.lakeridge.bank/personal/products-services/digital-banking/credit-sense): Free credit score monitoring and insights; no hard inquiry - [Bill Pay](https://www.lakeridge.bank/personal/products-services/digital-banking/bill-pay): Online bill payment services ### Personal Tools & Resources - [Fraud Protection](https://www.lakeridge.bank/personal/resources/fraud-protection): How to protect yourself from fraud - [Personal Finance Manager](https://www.lakeridge.bank/personal/resources/personal-finance-manager): Budgeting and money management tools; link external accounts, set goals, track spending by category - [Calculators](https://www.lakeridge.bank/accounts-and-cards/tools-and-resources/calculators/): Financial planning and loan calculators - [Interactive Teller Machine (ITM)](https://www.lakeridge.bank/accounts-and-cards/tools-and-resources/interactive-teller-machine/): Live teller via video at select locations - [FAQs](https://www.lakeridge.bank/help/faqs): Frequently asked questions about banking services ### Loans & Mortgages #### Home Loans - [Mortgage Options](https://www.lakeridge.bank/mortgages-and-loans/home-loans/mortgage-options/): Fixed-rate, adjustable-rate, and jumbo mortgages - [Refinancing](https://www.lakeridge.bank/mortgages-and-loans/home-loans/refinancing/): Refinancing existing mortgages - [Construction Loans](https://www.lakeridge.bank/mortgages-and-loans/home-loans/construction-loans/): New construction, construction rehab, and home improvement financing - [Second & Vacation Home Loans](https://www.lakeridge.bank/mortgages-and-loans/home-loans/second-and-vacation-homes/): Loans for vacation and second properties - [Lot Loans](https://www.lakeridge.bank/mortgages-and-loans/home-loans/lot-loans/): Land purchase financing - [Home Improvement Loans](https://www.lakeridge.bank/mortgages-and-loans/home-loans/construction-loans/): Financing for renovations and home updates; appears as distinct nav item but confirmed content lives on /construction-loans/ #### Other Loan Types - [Personal Loans](https://www.lakeridge.bank/mortgages-and-loans/loan-types/personal-loans/): Unsecured personal financing - [Home Equity Loans](https://www.lakeridge.bank/mortgages-and-loans/loan-types/home-equity-loans/): Two products: fixed-rate lump-sum home equity loan and revolving HELOC; used for renovations, major purchases, or unexpected expenses - [Auto Loans](https://www.lakeridge.bank/mortgages-and-loans/loan-types/auto-loans/): Vehicle financing - [Overdraft Protection](https://www.lakeridge.bank/mortgages-and-loans/loan-types/overdraft-protection/): Linked overdraft coverage #### Mortgage Tools & Resources - [First-Time Homebuyer](https://www.lakeridge.bank/mortgages-and-loans/tools-and-resources/first-time-homebuyer/): Programs and guidance for first-time buyers including WHEDA and USDA - [Get Mortgage Assistance](https://www.lakeridge.bank/help/mortgage-assistance): Hardship assistance options for existing mortgage holders including reinstatement, loan modification, short sale, and deed-in-lieu of foreclosure - [Mortgage Calculators](https://www.lakeridge.bank/accounts-and-cards/tools-and-resources/calculators/mortgage-calculators/): Calculate payments and affordability - [Current Mortgage Rates](https://www.lakeridge.bank/rates/mortgage-rates/): Live mortgage rate sheet including WHEDA FTHB rates - [Meet Our Mortgage Lenders](https://www.lakeridge.bank/about/meet-the-team/?_department=mortgage#team-section): Connect with mortgage specialists ### Wealth Management #### Investment Services - [Investment Management](https://www.lakeridge.bank/wealth-management/investments/investment-management/): Professional portfolio management - [Lake Ridge Financial](https://www.lakeridge.bank/wealth-management/investments/lake-ridge-financial/): Investment and insurance brokerage services through LPL Financial; located inside Lake Ridge Bank branches #### Financial Planning - [Financial Planning](https://www.lakeridge.bank/wealth-management/financial-planning/financial-planning/): Comprehensive financial planning - [Retirement Planning](https://www.lakeridge.bank/wealth-management/financial-planning/retirement-planning/): Retirement strategy and income planning - [401(k) Rollover Services](https://www.lakeridge.bank/wealth-management/financial-planning/401k-rollover/): 401(k) and IRA rollovers - [Insurance](https://www.lakeridge.bank/wealth-management/financial-planning/insurance/): Life, disability, and long-term care insurance #### Trust Services - [Fiduciary Services](https://www.lakeridge.bank/wealth-management/trust-services/fiduciary-services/): Trust administration and estate services - [Charitable Giving](https://www.lakeridge.bank/wealth-management/trust-services/charitable-giving/): Philanthropy and charitable trust planning - [Choosing the Right Trustee](https://www.lakeridge.bank/wealth-management/trust-services/choosing-the-right-trustee/): Trustee selection guidance #### Wealth Tools & Resources - [Executive Banking](https://www.lakeridge.bank/wealth-management/executive-banking/): Premium banking with personalized benefits - [Partner With Us](https://www.lakeridge.bank/wealth-management/tools-and-resources/partner-with-us/): Advisor and referral partnership program - [Wealth Calculators](https://www.lakeridge.bank/accounts-and-cards/tools-and-resources/calculators/wealth-calculators/): Retirement and investment calculators - [Meet Our Wealth Team](https://www.lakeridge.bank/about/meet-the-team/?_department=wealth-management#team-section): Connect with wealth managers ### Business Banking #### Business Accounts & Cards - [Business Checking](https://www.lakeridge.bank/business/accounts-and-cards/accounts/checking/): Commercial checking accounts - [Business Savings](https://www.lakeridge.bank/business/accounts-and-cards/accounts/savings/): Business savings accounts - [Money Markets](https://www.lakeridge.bank/business/accounts-and-cards/accounts/money-markets/): Business money market accounts - [Business Credit Cards](https://www.lakeridge.bank/business/accounts-and-cards/accounts/credit-cards/): Commercial Visa credit card programs - [Gift Cards](https://www.lakeridge.bank/business/accounts-and-cards/accounts/credit-cards/gift-cards/): Business gift card solutions #### Treasury Management - [Online Banking](https://www.lakeridge.bank/business/accounts-and-cards/treasury-management/online-banking/): Business account management - [Mobile Banking](https://www.lakeridge.bank/business/accounts-and-cards/treasury-management/mobile-banking/): Mobile business banking - [Remote Deposit Capture](https://www.lakeridge.bank/business/accounts-and-cards/treasury-management/remote-deposit-capture/): Deposit checks from your office - [Payment Solutions](https://www.lakeridge.bank/business/accounts-and-cards/treasury-management/payment-solutions/): ACH, wire transfers, and payment tools - [Meet Our Treasury Team](https://www.lakeridge.bank/about/meet-the-team/?_department=treasury-management#team-section): Connect with treasury specialists #### Business Financing - [Business Loans](https://www.lakeridge.bank/business/business-financing/financing/business-loans/): Commercial lending solutions - [Lines of Credit](https://www.lakeridge.bank/business/business-financing/financing/lines-of-credit/): Revolving business credit lines - [Leasing](https://www.lakeridge.bank/business/business-financing/financing/leasing/): Equipment and vehicle leasing - [Ag Lending](https://www.lakeridge.bank/business/business-financing/financing/agricultural-lending/): Agricultural loan products - [Apply For Financing](https://www.lakeridge.bank/business/business-financing/apply-for-financing/): Business financing application - [Meet Our Business Team](https://www.lakeridge.bank/about/meet-the-team/?_department=business-banking#team-section): Connect with commercial bankers #### Industry Solutions - [Agriculture](https://www.lakeridge.bank/business/business-financing/by-industry/agriculture/): Banking for agricultural businesses - [Commercial Real Estate](https://www.lakeridge.bank/business/business-financing/by-industry/commercial-real-estate/): Financing for real estate developers and investors - [Construction](https://www.lakeridge.bank/business/business-financing/by-industry/construction/): Lending for contractors and builders - [Manufacturing](https://www.lakeridge.bank/business/business-financing/by-industry/manufacturing/): Solutions for manufacturers - [Retail](https://www.lakeridge.bank/business/business-financing/by-industry/retail/): Banking for retail businesses - [Nonprofits](https://www.lakeridge.bank/business/business-financing/by-industry/nonprofits/): Specialized services for nonprofit organizations - [Public Depositories](https://www.lakeridge.bank/business/business-financing/by-industry/public-depositories/): Banking for municipalities, schools, and public entities - [Professional Services](https://www.lakeridge.bank/business/business-financing/by-industry/professional-services/): Banking for law firms, accountants, consultants ### Agricultural Services - [Crop Input Loans](https://www.lakeridge.bank/business/agricultural-services/agricultural-lending/crop-input/): Financing for seed, fertilizer, and inputs - [Agricultural Real Estate](https://www.lakeridge.bank/business/agricultural-services/agricultural-lending/real-estate/): Farm real estate loans - [Agricultural Line of Credit](https://www.lakeridge.bank/business/agricultural-services/agricultural-lending/line-of-credit/): Revolving ag credit lines - [Crop Insurance](https://www.lakeridge.bank/business/agricultural-services/insurance/crop-insurance/): Crop insurance products and guidance including RP, YP, and Crop Hail coverage - [Dairy Banking](https://www.lakeridge.bank/agriculture/product-service/dairy): Specialized banking and financing for dairy operations - [Meet Our Ag Team](https://www.lakeridge.bank/about/meet-the-team/?_department=ag#team-section): Connect with ag banking specialists ### Business Wealth Management #### Financial Planning - [Business Investments](https://www.lakeridge.bank/business/business-wealth-management/financial-planning/business-investments/): Investment options for businesses - [Cash Management](https://www.lakeridge.bank/business/business-wealth-management/financial-planning/cash-management/): Optimizing business cash - [Financial Planning](https://www.lakeridge.bank/business/business-wealth-management/financial-planning/financial-planning/): Business financial planning - [Employee Retirement Planning](https://www.lakeridge.bank/business/business-wealth-management/financial-planning/employee-retirement-planning/): 401(k) and pension plan services - [Exit Planning](https://www.lakeridge.bank/business/business-wealth-management/financial-planning/exit-planning/): Business succession and exit strategy #### Trust Services - [Trustee & Estate Services](https://www.lakeridge.bank/business/business-wealth-management/trustee-services/trustee-and-estate-services/): Trust services for business owners - [Choosing the Right Trustee](https://www.lakeridge.bank/business/business-wealth-management/tools-and-resources/choosing-the-right-trustee/): Trustee selection guidance for businesses - [Executive Banking](https://www.lakeridge.bank/business/business-wealth-management/executive-banking/): Premium banking for business executives ## Locations - [All Locations](https://www.lakeridge.bank/locations/): 22+ offices and ATMs across Dane, Green, and Rock counties ## Rates - [All Rates](https://www.lakeridge.bank/rates/): Personal deposit and loan rates - [Mortgage Rates](https://www.lakeridge.bank/rates/mortgage-rates/): Current mortgage rates - [Consumer Rates](https://www.lakeridge.bank/rates/consumer-rates/): Consumer loan rates - [Business Rates](https://www.lakeridge.bank/rates/business-rates/): Business deposit and loan rates ## About - [About Us](https://www.lakeridge.bank/about/): Company overview, values, and guiding principles - [Meet the Team](https://www.lakeridge.bank/about/meet-the-team/): Banking professionals across all locations and specialties - [Banknotes Blog](https://www.lakeridge.bank/about/banknotes-blog/): Bank news, market reports, and financial guidance - [Corporate Giving](https://www.lakeridge.bank/about/corporate-giving/): Supporting nonprofits and organizations enriching local communities - [Careers](https://www.lakeridge.bank/about/careers/): Join a team of 300+ employees passionate about community banking ## Contact & Support - [Contact Us](https://www.lakeridge.bank/help/contact-us): Phone, email, and contact form for customer support - [FAQs](https://www.lakeridge.bank/help/faqs): Frequently asked questions about banking services ## Optional - [Specials & Programs](https://www.lakeridge.bank/special-offers-and-premium-programs/current-promotions/checking-offer/): Current promotions and premium programs - [HELOC Special](https://www.lakeridge.bank/mortgages-and-loans/loan-types/home-equity-loans/heloc-special/): Active HELOC promotion; surfaces in Specials & Programs nav - [Prime Time Plus Club](https://www.lakeridge.bank/special-offers-and-premium-programs/premium-programs/prime-time-plus-club/): Senior banking program - [CRA Public File](https://www.lakeridge.bank/terms-and-privacy/cra-public-file/): Community Reinvestment Act documentation - [Lake Ridge Bancorp, Inc.](https://www.lakeridge.bank/lrbancorp/): Shareholder and investor information - [Shareholder Information](https://www.lakeridge.bank/lrbancorp/shareholder-resources-and-annual-meeting/): Annual meeting and shareholder resources