LAKE CITY BANK

WARSAW, IN | Large | Est. Jan. 1, 1872, midnight | FDIC #13102 | RSSD #874845 | FED
Latest Report: 2025-12-31

LAKE CITY BANK is aln large FDIC-insured commercial bank headquartered in WARSAW, IN, established in Jan. 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $7.0B and total deposits of $6.0B. Profitability stands at 1.84% ROA and 16.91% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 14.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.49%. FDIC Certificate #13102.

Assets

$7.0B

Deposits

$6.0B

Loans

$5.4B

Equity

$769M

Profitability

Return on Assets (ROA) 1.84%
Return on Equity (ROE) 16.91%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.91%
Cost of Funds 3.22%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.53%
Texas Ratio 2.49%
NPA Ratio 0.30%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 14.89%
Tier 1 Capital 14.89%
Total Capital Ratio 16.05%
Leverage Ratio 12.50%
Loan-to-Deposit 90.03%

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