Branch Network
Lake City Bank Locations & Branches Warsaw, Indiana
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Lake City Bank operates 57 branches from its headquarters in Warsaw, IN, .
Lake City Bank branch network
All 57 branches are in INDIANA, across 34 cities. Warsaw, IN has the most of its branches, 6. Its largest office by deposits is its main office in Warsaw, IN, with $931.7M (14.7% of its branch deposits). On June 30, 2025 it had 56 branches, 1 fewer than in 2026.
Lake City Bank at a glance
Its CET1 capital ratio was 14.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $7.24B
- CET1 ratio, Q2 2026
- 14.13%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1872
Full financial profile · Is Lake City Bank safe? · Lake City Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Warsaw, IN (6 branches) | 1 of 10 | 64.1% | $1.06B |
| State: IN (57 branches) | 9 of 129 | 2.9% | $6.34B |
Ranked by total assets among banks headquartered in the state: Largest banks in Indiana.
Share by county and metro area
Lake City Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Allen, IN (5 branches) | 2 of 24 | 15.8% | $1.55B | $9.81B |
| Kosciusko, IN (14 branches) | 1 of 10 | 66.3% | $1.48B | $2.23B |
| Elkhart, IN (11 branches) | 1 of 16 | 24.0% | $1.16B | $4.83B |
| Hamilton, IN (5 branches) | 8 of 32 | 1.9% | $584.4M | $30.52B |
| St. Joseph, IN (4 branches) | 3 of 15 | 8.2% | $476.9M | $5.79B |
| Dekalb, IN (1 branch) | 1 of 12 | 21.9% | $236.6M | $1.08B |
| Noble, IN (3 branches) | 3 of 6 | 22.5% | $199.6M | $885.6M |
| Marshall, IN (3 branches) | 3 of 9 | 13.9% | $150.2M | $1.08B |
| Fulton, IN (2 branches) | 2 of 5 | 26.0% | $137.4M | $528.9M |
| Lagrange, IN (2 branches) | 2 of 4 | 13.6% | $119.1M | $878.0M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Fort Wayne, IN (6 branches) | 2 of 25 | 15.6% | $1.64B | $10.53B |
| Warsaw, IN (14 branches) | 1 of 10 | 66.3% | $1.48B | $2.23B |
| Elkhart-Goshen, IN (11 branches) | 1 of 16 | 24.0% | $1.16B | $4.83B |
| Indianapolis-Carmel-Anderson, IN (9 branches) | 19 of 52 | 0.8% | $692.3M | $92.02B |
| South Bend-Mishawaka, IN-MI (4 branches) | 3 of 17 | 7.7% | $476.9M | $6.18B |
| Auburn, IN (1 branch) | 1 of 12 | 21.9% | $236.6M | $1.08B |
| Kendallville, IN (3 branches) | 3 of 6 | 22.5% | $199.6M | $885.6M |
| Plymouth, IN (3 branches) | 3 of 9 | 13.9% | $150.2M | $1.08B |
| Huntington, IN (1 branch) | 7 of 9 | 2.9% | $27.9M | $957.2M |
| 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 |
| North Webster Branch | North Webster, IN | 46555 | $59.4M |
| Middlebury Branch | Middlebury, IN | 46540 | $55.4M |
| Goshen Branch | Goshen, IN | 46526 | $51.8M |
| Warsaw North Branch | Warsaw, IN | 46582 | $49.9M |
| Granger Branch | Granger, IN | 46530 | $48.3M |
| Ligonier Downtown Branch | Ligonier, IN | 46767 | $47.9M |
| Lagrange Branch | Lagrange, IN | 46761 | $45.4M |
| Milford Branch | Milford, IN | 46542 | $44.9M |
| Bremen Branch | Bremen, IN | 46506 | $43.2M |
| Winona Lake Branch | Winona Lake, IN | 46590 | $42.0M |
| Akron Branch | Akron, IN | 46910 | $40.7M |
| Silver Lake Branch | Silver Lake, IN | 46982 | $40.3M |
| Pierceton Branch | Pierceton, IN | 46562 | $39.9M |
| Elkhart Jimtown Branch | Elkhart, IN | 46517 | $39.4M |
| Warsaw East Branch | Warsaw, IN | 46580 | $39.1M |
| West Lake Branch | Warsaw, IN | 46580 | $39.0M |
| Concord Goshen Branch | Goshen, IN | 46526 | $37.7M |
| Elkhart River District Branch | Elkhart, IN | 46516 | $34.8M |
| Huntington Branch | Huntington, IN | 46750 | $27.9M |
| South Bend Northwest Branch | South Bend, IN | 46628 | $25.9M |
| Elkhart Northwest Branch | Elkhart, IN | 46514 | $23.9M |
| Medaryville Branch | Medaryville, IN | 47957 | $22.8M |
| Greenwood Branch | Greenwood, IN | 46143 | $21.0M |
| Argos Branch | Argos, IN | 46501 | $17.0M |
| Indianapolis Downtown Branch | Indianapolis, IN | 46204 | $12.7M |
| Indianapolis Michgan Road Branch | Carmel, IN | 46032 | $11.7M |
| 16 Tech Branch | Indianapolis, IN | 46202 | $6.5M |
| Grace Village Branch | Winona Lake, IN | 46590 | $3.4M |
| Wakefield Branch | Westfield, IN | 46074 | $3.0M |
| Elkhart High School Branch | Elkhart, IN | 46514 | $35K |
| Drive-In Branch | Warsaw, IN | 46580 | $0 |
| Direct Banking Center- Www.Lakecitybank.Com | Warsaw, IN | 46581 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13102) · FFIEC NIC profile (RSSD 874845)