Lake City Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 234.3% higher than in Q1 2026, at $3.6M. Lake City Bank ranks 35th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 88.01% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Lake City Bank reported 88.01% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.58B |
| Net loans and leases | $5.51B |
| Loans held for sale | $3.6M |
| Loans to total assets | 77.15% |
| Loan-to-deposit ratio | 88.01% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.19% |
| Multifamily (5+ residential) | 10.34% |
| Commercial and industrial | 29.44% |
| Consumer | 2.11% |
| Credit cards | 0.00% |
| Farm | 3.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.86% |
| Construction concentration (Tier 1 capital + allowance) | 47.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.25% |
| Interest income on loans | $86.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.87B | $5.67B | 31.84% | 28.78% | 1.92% |
| Q4 2023 | $4.92B | $5.74B | 31.49% | 28.88% | 1.95% |
| Q1 2024 | $5.00B | $5.62B | 31.54% | 29.54% | 1.94% |
| Q2 2024 | $5.05B | $5.77B | 31.49% | 30.19% | 1.93% |
| Q3 2024 | $5.09B | $5.84B | 30.99% | 29.35% | 2.03% |
| Q4 2024 | $5.12B | $5.91B | 32.79% | 28.33% | 2.03% |
| Q1 2025 | $5.22B | $5.96B | 31.69% | 29.15% | 1.95% |
| Q2 2025 | $5.23B | $6.18B | 31.53% | 28.56% | 1.98% |
| Q3 2025 | $5.25B | $6.03B | 31.74% | 28.91% | 2.14% |
| Q4 2025 | $5.38B | $5.97B | 32.17% | 28.88% | 2.16% |
| Q1 2026 | $5.47B | $6.19B | 32.28% | 28.83% | 2.12% |
| Q2 2026 | $5.58B | $6.34B | 31.19% | 29.44% | 2.11% |
Lake City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake City Bank, freeSource: Call Report Schedule RC-C, 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)