Bank call report · Warsaw, IN
Lake City Bank Call Report
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Lake City Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 531 reported line items, schedule by schedule (928 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 874845 |
| FDIC certificate number | 13102 |
| Total assets | $7.24B |
Official Q2 2026 call report PDF (FFIEC) →
Lake City Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (33 items)
About Schedule RC · Lake City Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $7.24B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $7.24B |
| Total Liabilities and Minority Interest | RCON2948 | $6.49B |
| Total Deposits | RCON2200 | $6.34B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $5.58B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $5.51B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $5.04B |
| Deposits: Noninterest-bearing | RCON6631 | $1.31B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.04B |
| Undivided Profits and Capital Reserves | RCON3632 | $761.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $751.4M |
| Total Equity Capital | RCON3210 | $751.3M |
| Other Assets | RCON2160 | $259.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $134.0M |
| Held-to-maturity Securities, Total | RCON1754 | $134.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$124.5M |
| Interest-bearing Balances | RCON0071 | $120.1M |
| Surplus | RCON3839 | $111.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $79.2M |
| Other Borrowed Money | RCON3190 | $77.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $70.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $69.9M |
| Other Liabilities, Total | RCON2930 | $48.7M |
| Trading Liabilities, Total | RCON3548 | $14.9M |
| Trading Assets, Total | RCON3545 | $14.9M |
| Intangible Assets | RCON2143 | $6.5M |
| Goodwill | RCON3163 | $5.0M |
| Loans and Leases Held for Sale | RCON5369 | $3.6M |
| Federal Funds Sold | RCONB987 | $2.5M |
| Common Stock | RCON3230 | $2.2M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $1.6M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $1.2M |
| Minority Interest in Consolidated Subsidiaries and Similar Items | RCON3000 | $89K |
Schedule RI: Income Statement (56 items)
About Schedule RI · Lake City Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $187.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $169.7M |
| Net Interest Income | RIAD4074 | $115.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $87.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $72.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $72.5M |
| Total Interest Expense | RIAD4073 | $71.9M |
| Total Noninterest Expense | RIAD4093 | $64.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $59.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $59.0M |
| Net Income (Loss) | RIAD4340 | $58.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $51.0M |
| Salaries and Employee Benefits | RIAD4135 | $36.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $28.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $25.7M |
| Total Noninterest Income | RIAD4079 | $24.9M |
| Other Noninterest Expense | RIAD4092 | $20.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $18.9M |
| Applicable Income Taxes | RIAD4302 | $13.6M |
| Other Noninterest Income | RIADB497 | $11.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $9.3M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $9.0M |
| Interest on Other Securities | RIAD4060 | $7.8M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $7.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $6.9M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $6.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $6.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $6.1M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $5.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $3.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $3.7M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $3.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.0M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.9M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.5M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.2M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $704K |
| Other Interest Income | RIAD4518 | $643K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $572K |
| Fees and Commissions from Annuity Sales | RIADC887 | $540K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $448K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $418K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $338K |
| Net Servicing Fees | RIADB492 | $302K |
| Venture Capital Revenue | RIADB491 | $287K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $240K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $230K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $139K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $49K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $48K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$38K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $18K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $14K |
| Less: Net Income (Loss) Attributable to Noncontrolling (Minority) Interests | RIADG103 | $13K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 695 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $189.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $91.0M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $50.9M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $35.1M |
| Currency and Coin | RCON0080 | $12.9M |
Schedule RC-B: Securities (34 items)
About Schedule RC-B · Lake City Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $10.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $10.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $332.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $289.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $83.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $73.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $1.18B |
| Pledged Securities | RCON0416 | $543.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $534.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $469.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $388.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $315.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $150.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $149.1M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $134.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $131.2M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $119.4M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $119.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $111.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $69.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $53.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $51.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $43.4M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $25.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $24.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $24.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $19.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $8.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $4.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $4.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $637K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $521K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $245K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $239K |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · Lake City Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $5.58B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $3.02B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $1.93B |
| Pledged Loans and Leases | RCONG378 | $1.79B |
| Commercial and Industrial Loans | RCON1766 | $1.64B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $1.64B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $936.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $852.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $804.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $710.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $577.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $406.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $392.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $306.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $281.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $257.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $196.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $180.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $158.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $132.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $104.3M |
| Other Loans | RCONJ464 | $94.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $77.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $67.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $58.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $52.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $35.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $34.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $34.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $30.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $28.2M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $26.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $26.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $24.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $6.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $1.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $1.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.7M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $1.7M |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $170.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $154.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $40.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $22.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $21.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $18.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $16.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $7.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $7.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $4.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.8M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 965 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 689 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 491 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 441 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 176 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 150 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 93 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 93 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 93 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 86 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 57 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 47 |
Schedule RC-D: Trading Assets and Liabilities (2 items)
Schedule RC-E: Deposit Liabilities (36 items)
About Schedule RC-E · Lake City Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $3.58B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $2.76B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $2.07B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $2.04B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.62B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.56B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.51B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $627.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $627.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $558.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $474.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $400.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $325.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $315.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $309.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $299.2M |
| Total Brokered Deposits | RCON2365 | $299.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $281.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $255.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $242.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $236.7M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $232.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $222.0M |
| Total reciprocal deposits | RCONJH83 | $214.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $202.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $199.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $99.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $87.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $44.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $40.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $26.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $19.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $15.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.8M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $31K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $12K |
Schedule RC-F: Other Assets (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $79.1M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $45.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $45.1M |
| Net Deferred Tax Assets | RCON2148 | $44.8M |
| Accrued Interest Receivable | RCONB556 | $29.5M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $7.8M |
| Other Assets | RCON2168 | $7.8M |
| Prepaid Expenses | RCON2166 | $5.5M |
| Other Repossessed Assets (Net) | RCON1578 | $48K |
| Computer Software | RCONFT33 | $24K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $32.1M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $13.1M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $8.7M |
| Other Expenses Accrued and Unpaid | RCON3646 | $7.8M |
| Deferred Compensation Liabilities | RCONC011 | $6.5M |
| Accounts Payable | RCON3066 | $3.4M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Lake City Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $7.33B |
| Quarterly Average of Total Loans | RCON3360 | $5.53B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $3.01B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $2.29B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.87B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.52B |
| All Other Securities | RCONB560 | $669.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $603.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $592.4M |
| Mortgage-backed Securities | RCONB559 | $490.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $326.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $178.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $131.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $118.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $114.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $40.2M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $14.4M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $11.6M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $3.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · Lake City Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.39B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $586.6M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $586.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $436.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $424.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $398.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $70.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $45.1M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $18.0M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $15.1M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $15.1M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCON3820 | $4.7M |
Schedule RC-M: Memoranda (12 items)
About Schedule RC-M · Lake City Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $128.3M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $70.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $70.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $6.7M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $6.7M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.5M |
| Mortgage Servicing Assets | RCON3164 | $1.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $1.2M |
| Outstanding balance of PPP loans | RCONLG27 | $1.2M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
| Number of outstanding PPP Loans | RCONLG26 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · Lake City Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $20.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $11.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.4M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $714K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $625K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $483K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $439K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $337K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $209K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities - Nonaccrual | RCON6560 | $105K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $42K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $6K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Lake City Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $7.33B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $6.35B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $4.40B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $3.65B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.91B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $860.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $38.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $6.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 117,148 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,527 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,878 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $7.0M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $4.5M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $3.6M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $362K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $14.9M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $14.9M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $1.05B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $1.04B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $1.02B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $1.01B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $26.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $26.0M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $14.9M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $14.9M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $4.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $4.2M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Lake City Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $6.16B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · Lake City Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $7.33B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $7.33B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $6.16B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $941.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $870.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $870.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $870.8M |
| Retained Earnings | RCOAKW00 | $761.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $751.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$124.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$124.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $114.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $70.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $70.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $70.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $5.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.0M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$504K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $171K |
| Total Capital Minority Interest That Is Not Included in Tier 1 Capital | RCOAP868 | $89K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1527 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1413 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1413 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1189 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0727 |
Schedule RC-R, Part II: Risk-Weighted Assets (73 items)
About Schedule RC-R, Part II · Lake City Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $6.16B |
| Total Risk-weighted Assets | RCONG641 | $6.16B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $5.38B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $5.38B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $5.33B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $4.85B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $4.84B |
| Unconditionally Cancellable Commitments | RCONS540 | $2.71B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.04B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $962.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $937.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $822.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $759.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $759.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $590.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $435.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $393.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $379.9M |
| Total All Other Assets | RCOND981 | $346.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $317.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $280.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $280.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$206.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $202.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $192.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $189.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $186.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $167.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $154.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $141.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$140.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $135.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $135.3M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $134.0M |
| Total Held-to-maturity Securities | RCOND961 | $134.0M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $119.2M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $119.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $108.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $81.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $51.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $45.1M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $45.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $37.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $25.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $19.6M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $19.2M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $17.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $16.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $16.0M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $15.1M |
| Total Trading Assets | RCOND976 | $14.9M |
| Trading Assets - 100 Pct Risk Weight Category | RCOND980 | $14.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $12.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $12.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $10.8M |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $7.7M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $5.0M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $3.7M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $3.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $3.6M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.4M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $3.3M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $3.3M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $2.9M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $2.5M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $2.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $2.2M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.5M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $1.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.2M |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCONG622 | $387K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $506.5M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - All Other Loans | RCONB796 | $2.9M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: All Other Loans | RCONB803 | $2.9M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $387K |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $387K |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $387K |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $23K |
Schedule RC-T: Fiduciary and Related Services (37 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $2.15B |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $1.74B |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $559.2M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $492.9M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $288.3M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $206.7M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $206.7M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $174.3M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $112.6M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $71.2M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $21.0M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $12.9M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $12.9M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $10.6M |
| Employee Benefit-defined Benefit - Non-managed Asssets | RCONB877 | $8.0M |
| Income from Fiduciary Activities | RIAD4070 | $6.1M |
| Personal Trust and Agency Accounts | RIADB904 | $4.2M |
| Other Retirement Accounts | RIADB907 | $598K |
| Employee Benefit-defined Contribution | RIADB905 | $486K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $361K |
| Custody and Safekeeping Accounts | RIADB909 | $346K |
| Employee Benefit-defined Benefit | RIADB906 | $49K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,168 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 754 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 367 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 367 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 281 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 208 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 129 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 112 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 34 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 31 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 31 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 8 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 8 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 5 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCONB879 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $769.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $769.1M |
| Total Equity Capital | RIAD3210 | $751.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $79.4M |
| Other Comprehensive Income | RIADB511 | $2.7M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · Lake City Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $2.6M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $2.1M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $522K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $244K |
| Charge-offs on Automobile Loans | RIADK129 | $191K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $137K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $116K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $103K |
| Recoveries on Automobile Loans | RIADK133 | $91K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $72K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $66K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $46K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Lake City Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $70.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $69.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $2.6M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $5.58B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $2.50B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $1.92B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $587.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $451.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $117.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $70.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $29.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $29.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $5.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.9M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $598K |
Schedule RI-E: Explanations (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $5.4M |
| Data Processing Expenses | RIADC017 | $5.4M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $3.1M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $2.6M |
| Consulting and Advisory Expense | RIADF557 | $2.2M |
| Marketing and Other Professional Services | RIAD0497 | $1.2M |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $743K |
| Telecommunications Expense | RIADF559 | $626K |
| Accounting and Auditing Expenses | RIADF556 | $547K |
| Legal Expense | RIAD4141 | $483K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $370K |
| Printing, Stationery, and Supplies | RIADC018 | $266K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $165K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $152K |
| Income and Fees from Wire Transfers | RIADT047 | $79K |
| Safe Deposit Box Rent | RIADC015 | $55K |
Lake City Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Lake City Bank call report?
The Lake City Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Lake City Bank file?
Lake City Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Lake City Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Lake City Bank has Federal Reserve RSSD ID 874845 and FDIC certificate number 13102. Either one finds its filings on the FFIEC Central Data Repository.
How often does Lake City Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Lake City Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 13102) · FFIEC NIC profile (RSSD 874845)