Case Study: Ridgestone Bank achieves streamlined loan origination and faster closings with nCino

Ridgestone Bank - Customer Case Study

Ridgestone Bank, a $387 million community bank headquartered in Brookfield, WI, grew rapidly into a top nationwide SBA lender but faced operational strain as its lending centers became siloed. Reliant on manual processes and disparate systems, the bank lacked an end-to-end loan origination system and a single source of truth, causing tracking difficulties, closing delays, and uneven process adherence across teams.

Ridgestone implemented nCino’s cloud-based Bank Operating System—bringing workflow, centralized tracking, business intelligence and a patented document management system that eliminated paper files and reduced closing times. The platform improved transparency and risk tracking, helped Ridgestone win the Wisconsin SBA Volume Lender Award ($46.8M in Wisconsin SBA loans in FY2013), and coincided with stronger financials: efficiency ratio improved from 51.03% to 48.33%, ROA from 1.95% to 3.31%, and ROE from 16.68% to 25.16%.

Ridgestone Bank

Jeff Fordice

Chief Credit Officer