Lake City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.51 percentage points higher than in Q1 2026, at 325.73%. Within Indiana, Lake City Bank is 20th of 87 on return on assets, 1.65% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Lake City Bank sits 0.37 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.13% |
| Tier 1 risk-based capital ratio | 14.13% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 11.89% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 10.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.65% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 325.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 16.01% |
| Net interest margin | 3.41% |
| Efficiency ratio | 44.64% |
| Yield on earning assets | 5.52% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.01% |
| Core deposits to total deposits | 90.16% |
| Brokered deposits to total deposits | 4.72% |
| Deposits to assets | 87.66% |
| Securities to assets | 16.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.52% | 13.52% | 14.77% | 11.35% | 1.60% |
| Q4 2023 | 13.91% | 13.91% | 15.16% | 11.58% | 1.83% |
| Q1 2024 | 14.11% | 14.11% | 15.36% | 11.93% | 1.43% |
| Q2 2024 | 14.21% | 14.21% | 15.46% | 11.92% | 1.37% |
| Q3 2024 | 14.42% | 14.42% | 15.67% | 12.12% | 1.43% |
| Q4 2024 | 14.50% | 14.50% | 15.76% | 12.03% | 1.46% |
| Q1 2025 | 14.41% | 14.41% | 15.66% | 12.21% | 1.28% |
| Q2 2025 | 14.68% | 14.68% | 15.81% | 12.17% | 1.55% |
| Q3 2025 | 14.96% | 14.96% | 16.12% | 12.48% | 1.66% |
| Q4 2025 | 14.89% | 14.89% | 16.05% | 12.50% | 1.79% |
| Q1 2026 | 14.63% | 14.63% | 15.76% | 12.35% | 1.59% |
| Q2 2026 | 14.13% | 14.13% | 15.27% | 11.89% | 1.65% |
Lake City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)