Lake City Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 8.2% in Q2 2026, from -$135.6M to -$124.5M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Lake City Bank is 20th of 50 on CET1 ratio, 14.13% as of Q2 2026, above the middle of the field. Lake City Bank reported 14.13% on CET1 ratio for Q2 2026, 0.65 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 11.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $870.8M |
| Tier 1 capital | $870.8M |
| Total risk-based capital | $941.5M |
| Total equity capital | $751.3M |
| Risk-weighted assets | $6.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 10.32% |
| Equity capital to average assets | 10.25% |
| Internal capital growth rate | -9.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $111.8M |
| Retained earnings | $761.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$124.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.52% | 13.52% | 14.77% | 11.35% | $5.61B |
| Q4 2023 | 13.91% | 13.91% | 15.16% | 11.58% | $5.62B |
| Q1 2024 | 14.11% | 14.11% | 15.36% | 11.93% | $5.69B |
| Q2 2024 | 14.21% | 14.21% | 15.46% | 11.92% | $5.74B |
| Q3 2024 | 14.42% | 14.42% | 15.67% | 12.12% | $5.74B |
| Q4 2024 | 14.50% | 14.50% | 15.76% | 12.03% | $5.77B |
| Q1 2025 | 14.41% | 14.41% | 15.66% | 12.21% | $5.88B |
| Q2 2025 | 14.68% | 14.68% | 15.81% | 12.17% | $5.88B |
| Q3 2025 | 14.96% | 14.96% | 16.12% | 12.48% | $5.86B |
| Q4 2025 | 14.89% | 14.89% | 16.05% | 12.50% | $5.98B |
| Q1 2026 | 14.63% | 14.63% | 15.76% | 12.35% | $6.08B |
| Q2 2026 | 14.13% | 14.13% | 15.27% | 11.89% | $6.16B |
Lake City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake City Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lake City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13102) · FFIEC NIC profile (RSSD 874845)