Lake City Bank
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Data as of · sourced from FFIEC call reports. How we update
Lake City Bank is an FDIC-insured commercial bank headquartered in Warsaw, IN, established in 1872 (FDIC certificate 13102), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $7.24B, up 4.0% from Q2 2025, the 7th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 14.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13102
- Headquarters
- Warsaw, IN
- Established
- 1872
- Total assets, Q2 2026
- $7.24B
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 14.13%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 074903719
- Latest call report
- Q2 2026, FFIEC 041 · Lake City Bank call report
- Holding company
- LAKELAND FINANCIAL CORPORATION
- Asset rank in state
- 7th of 87 in Indiana
Lake City Bank, based in Warsaw, Indiana, reported $7.2 billion in assets at June 30, 2026, up 4.0% from a year earlier. It holds about half of its deposits (58%) above the FDIC insurance limit, about double the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Loans are outrunning deposits: over the year loans rose 6.8% and deposits rose 2.7%. Its $1.6 billion commercial and industrial book is improving, with 0.71% past due or on nonaccrual, down from 1.80% a year earlier.
As of June 30, 2026, Lake City Bank reported a CET1 capital ratio of 14.13%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.45%. The figures come from its call report filed with the FFIEC.
Lake City Bank ranks as the 7th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $7.24B, loans rose 2.0% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 29.4% of total loans, followed by non-owner-occupied commercial real estate loans at 16.8%. Its 57 offices in the FDIC Summary of Deposits are in 34 cities in IN; its Fort Wayne 5 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Lake City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 E Center St, Warsaw, IN 46580
- County
- Kosciusko
- Metro Area
- Warsaw, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1872
- Domestic offices
- 57 FDIC institution directory, current count
- Employees (FTE)
- 695
- Domestic deposits
- $6.34B
- Allowance for credit losses
- $70.6M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $7.33B
- Average total loans
- $5.53B
- Average interest-bearing deposits
- $5.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13102
- Fed RSSD
- 874845
- SEC CIK
- 721994 → filed by LAKELAND FINANCIAL CORPORATION
- Website
- www.lakecitybank.com →
- Parent Holding Company
- LAKELAND FINANCIAL CORPORATION (RSSD 1208906) · LKFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David M Findlay | CEO | CEO |
| Kristin Pruitt | PRES | President |
| Lisa M O'Neill | CFO | EVP & CFO |
| Donovan James Rickard | GC | SVP, General Counsel |
| Jennifer M Hurford | TREAS | SVP & Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Lake City Bank's total assets moved between a low of $6.41B (Q3 2023) and a high of $7.24B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.24B total assets against $6.96B; $6.49B total liabilities against $6.25B.
$5.51B net loans and leases against $5.16B; $6.34B total deposits against $6.18B.
$1.17B securities against $1.13B; $192.4M cash and balances due against $305.2M.
$95.4M total interest income against $94.7M; $36.8M total interest expense against $39.5M.
$58.6M net interest income against $55.3M.
$12.2M total noninterest income against $11.2M; $32.1M total noninterest expense against $29.9M.
$1.7M provision for credit losses against $3.0M.
$30.2M net income against $27.4M.
1.65% return on assets against 1.55%; 3.41% net interest margin against 3.31%.
14.13% CET1 capital ratio against 14.68%; 11.89% tier 1 leverage ratio against 12.17%.
Inside the full Lake City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Lake City Bank rankings
Its closest position to the top of a national ranking is 44 of 980, for uninsured deposits; its furthest is 2,066 of 3,640, for Texas Ratio.
Metric pages for Lake City Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.28% (Q1 2025) to 1.79% (Q4 2025) and its net interest margin ran from 3.09% (Q3 2024) to 3.44% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.13% | 1.65% | 0.36% | 2.45% | 3.41% |
| Q1 2026 | 14.63% | 1.59% | 0.38% | 2.55% | 3.39% |
| Q4 2025 | 14.89% | 1.79% | 0.39% | 2.51% | 3.44% |
| Q3 2025 | 14.96% | 1.66% | 0.36% | 2.36% | 3.42% |
| Q2 2025 | 14.68% | 1.55% | 0.59% | 4.03% | 3.31% |
| Q1 2025 | 14.41% | 1.28% | 1.10% | 7.44% | 3.25% |
| Q4 2024 | 14.50% | 1.46% | 1.10% | 7.50% | 3.17% |
| Q3 2024 | 14.42% | 1.43% | 1.13% | 7.51% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 57 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake City Bank (main office) | Warsaw , IN | 46580 | $931.7M |
| Fort Wayne Downtown Branch | Fort Wayne , IN | 46802 | $619.5M |
| Goshen Downtown Branch | Goshen , IN | 46526 | $535.8M |
| Fort Wayne Jefferson Branch | Fort Wayne , IN | 46804 | $473.9M |
| Indianapolis North Branch | Indianapolis , IN | 46260 | $392.6M |
| Auburn Branch | Auburn , IN | 46706 | $236.6M |
| Mishawaka Branch | Mishawaka , IN | 46545 | $228.4M |
| Fort Wayne Northeast Branch | Fort Wayne , IN | 46835 | $200.1M |
| Fort Wayne North Branch | Fort Wayne , IN | 46825 | $177.3M |
| South Bend Downtown Branch | South Bend , IN | 46601 | $174.3M |
| Elkhart Branch | Elkhart , IN | 46514 | $163.7M |
| Nappanee Branch | Nappanee , IN | 46550 | $155.7M |
| Syracuse Branch | Syracuse , IN | 46567 | $127.4M |
| Carmel Branch | Carmel , IN | 46032 | $111.1M |
| Rochester Branch | Rochester , IN | 46975 | $96.6M |
| Columbia City Branch | Columbia City , IN | 46725 | $91.0M |
| Plymouth Branch | Plymouth , IN | 46563 | $90.1M |
| Ligonier South Branch | Ligonier , IN | 46767 | $81.3M |
| Fort Wayne Southwest Branch | Fort Wayne , IN | 46804 | $77.8M |
| Shipshewana Branch | Shipshewana , IN | 46565 | $73.7M |
| Kendallville Branch | Kendallville , IN | 46755 | $70.4M |
| Indianapolis Clearwater Branch | Indianapolis , IN | 46240 | $67.7M |
| Fishers Branch | Fishers , IN | 46038 | $66.0M |
| Elkhart East Branch | Elkhart , IN | 46516 | $63.9M |
| Mentone Branch | Mentone , IN | 46539 | $62.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 15, 1995 | Structure Change | Acquired Gateway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 1993 | Structure Change | Acquired Prime Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 1984 | Structure Change | Acquired State Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 2, 1966 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.9% of deposits in IN, rank 9 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,433 applications, 1,870 loans originated, $377.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $729K approved, $182K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lake City Bank
What are Lake City Bank's total assets?
As of the Q2 2026 filing, Lake City Bank reported total assets of $7.24 billion in its FFIEC call report.
Where is Lake City Bank headquartered?
It is headquartered in Warsaw, IN, United States.
When was Lake City Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Lake City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake City Bank?
Lake City Bank's primary federal regulator is the Federal Reserve.
What is Lake City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lake City Bank operate?
It operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake City Bank's Texas Ratio?
Its Texas Ratio is 2.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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