Lake City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake City Bank of Warsaw, IN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.65% | 1.44% | +0.21% | 74th above |
| ROAE | 16.01% | 12.50% | +3.51% | 77th top |
| Net Interest Margin | 3.41% | 3.84% | -0.43% | 31st below |
| Efficiency Ratio | 44.64% | 58.89% | -14.25% | 87th top |
| PPNR / Avg Assets | 2.11% | 1.78% | +0.33% | 73rd above |
| Yield on Earning Assets | 5.52% | 5.71% | -0.19% | 49th below |
| Cost of Funds | 2.28% | 2.03% | +0.25% | 31st below |
| Net Interest Spread | 2.59% | 3.18% | -0.59% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.96% | -0.57% | 66th above |
| NPA / Total Assets | 0.30% | 0.75% | -0.45% | 66th above |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 72nd above |
| ACL / Total Loans | 1.26% | 1.25% | +0.01% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 325.73% | 699.25% | -373.52% | 72nd above |
| Texas Ratio | 2.65% | 7.17% | -4.52% | 71st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 176.15% | 815.38% | -639.23% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.13% | 17.41% | -3.28% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.13% | 17.45% | -3.32% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.27% | 18.50% | -3.23% | 61st above |
| Leverage Ratio | 11.89% | 11.59% | +0.30% | 75th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.33% | -0.95% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.32% | 10.65% | -0.33% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.01% | 86.35% | +1.66% | 51st above |
| Core Deposit Ratio | 90.16% | 85.55% | +4.61% | 59th above |
| Uninsured Deposit Ratio | 57.58% | 32.68% | +24.90% | 4th bottom |
| Wholesale Funding Ratio | 1.08% | 5.46% | -4.38% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.02% | 10.46% | -6.44% | 42nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.79% | 7.99% | -1.20% | 57th above |
| Deposit Growth (Y/Y) | 2.67% | 7.98% | -5.31% | 35th below |
See Lake City Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lake City Bank profile, how to read a UBPR, or how this data updates.