Bank Comparison
Johnson Bank vs Lake City Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| CET1 Ratio | 16.04% | 14.63% |
| Tier 1 Capital Ratio | 16.04% | 14.63% |
| Total Capital Ratio | 17.30% | 15.76% |
| Tier 1 Leverage Ratio | 12.47% | 12.35% |
| Equity / Assets | 12.58% | 10.72% |
Profitability
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.59% |
| Return on Equity (ROE) | 10.06% | 15.04% |
| Net Interest Margin (NIM) | 3.44% | 3.39% |
| Yield on Earning Assets | 5.24% | 5.42% |
| Cost of Funds | 1.98% | 2.27% |
Asset quality
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| Texas Ratio | 1.57% | 2.75% |
| Non-Performing Loan Ratio | 0.28% | 0.41% |
| Non-Performing Asset Ratio | 0.21% | 0.32% |
| Net Charge-Off Ratio | -0.12% | 0.15% |
| ACL / Loans | 1.48% | 1.26% |
Balance sheet
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| Total Assets | $7,008M | $7,078M |
| Total Deposits | $5,836M | $6,191M |
| Total Loans | $5,288M | $5,474M |
| Total Equity | $881,316K | $758,832K |
| Net Income (quarter) | $21,941K | $28,725K |
Liquidity & funding
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.61% | 88.42% |
| Core Deposit Ratio | 92.36% | 94.44% |
| Uninsured Deposit Ratio | 48.91% | 55.07% |
Identity
| Metric | Johnson Bank | Lake City Bank |
|---|---|---|
| Headquarters City | RACINE | WARSAW |
| Headquarters State | WI | IN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 32 | 58 |
| Employees (FTE) | 765 | 674 |
| Established | Nov. 12, 1970, midnight | Jan. 1, 1872, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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