Lake City Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1872, Lake City Bank is among the oldest continuously operating FDIC-insured banks, headquartered in Warsaw, IN. As of Q2 2026, the bank held approximately $7.2B in total assets and $6.3B in deposits. The bank posts a strong 1.65% ROA and 16.01% ROE. Regulatory capital is solid, 14.13% CET1 and 15.27% total risk-based capital ratio. Asset quality is pristine, 0.39% NPLs and a 2.65% Texas Ratio. Lake City operates a 58-branch network.
As of June 30, 2026, Lake City Bank reported a CET1 capital ratio of 14.13%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.39%, a Texas ratio of 2.65%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 202 E Center St, Warsaw, IN 46580
- County
- Kosciusko
- Metro Area
- Warsaw, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1872
- Offices
- 58 domestic
- Employees (FTE)
- 695
- Domestic deposits
- $6.34B
- Allowance for credit losses
- $70.6M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $7.33B
- Average total loans
- $5.53B
- Average interest-bearing deposits
- $5.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13102
- Fed RSSD
- 874845
- SEC CIK
- 721994 → filed by LAKELAND FINANCIAL CORPORATION
- Website
- www.lakecitybank.com →
- Parent Holding Company
- LAKELAND FINANCIAL CORPORATION (RSSD 1208906) · LKFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Findlay David M | CEO | CEO |
| O'Neill Lisa M | CFO | EVP & CFO |
| Pruitt Kristin | PRES | President |
| Donovan James Rickard | GC | SVP, General Counsel |
| Hurford Jennifer M | TREAS | SVP & Treasurer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lake City Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lake City Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Lake City Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.13% | 1.65% | 0.39% | 2.65% | 3.41% |
| Q1 2026 | 14.63% | 1.59% | 0.41% | 2.75% | 3.39% |
| Q4 2025 | 14.89% | 1.79% | 0.50% | 3.20% | 3.44% |
| Q3 2025 | 14.96% | 1.66% | 0.43% | 2.87% | 3.42% |
| Q2 2025 | 14.68% | 1.55% | 0.66% | 4.56% | 3.31% |
| Q1 2025 | 14.41% | 1.28% | 1.18% | 7.97% | 3.25% |
| Q4 2024 | 14.50% | 1.46% | 1.18% | 8.05% | 3.17% |
| Q3 2024 | 14.42% | 1.43% | 1.21% | 8.05% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 57 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake City Bank (main office) | Warsaw , IN | 46580 | $931.7M |
| Fort Wayne Downtown Branch | Fort Wayne , IN | 46802 | $619.5M |
| Goshen Downtown Branch | Goshen , IN | 46526 | $535.8M |
| Fort Wayne Jefferson Branch | Fort Wayne , IN | 46804 | $473.9M |
| Indianapolis North Branch | Indianapolis , IN | 46260 | $392.6M |
| Auburn Branch | Auburn , IN | 46706 | $236.6M |
| Mishawaka Branch | Mishawaka , IN | 46545 | $228.4M |
| Fort Wayne Northeast Branch | Fort Wayne , IN | 46835 | $200.1M |
| Fort Wayne North Branch | Fort Wayne , IN | 46825 | $177.3M |
| South Bend Downtown Branch | South Bend , IN | 46601 | $174.3M |
| Elkhart Branch | Elkhart , IN | 46514 | $163.7M |
| Nappanee Branch | Nappanee , IN | 46550 | $155.7M |
| Syracuse Branch | Syracuse , IN | 46567 | $127.4M |
| Carmel Branch | Carmel , IN | 46032 | $111.1M |
| Rochester Branch | Rochester , IN | 46975 | $96.6M |
| Columbia City Branch | Columbia City , IN | 46725 | $91.0M |
| Plymouth Branch | Plymouth , IN | 46563 | $90.1M |
| Ligonier South Branch | Ligonier , IN | 46767 | $81.3M |
| Fort Wayne Southwest Branch | Fort Wayne , IN | 46804 | $77.8M |
| Shipshewana Branch | Shipshewana , IN | 46565 | $73.7M |
| Kendallville Branch | Kendallville , IN | 46755 | $70.4M |
| Indianapolis Clearwater Branch | Indianapolis , IN | 46240 | $67.7M |
| Fishers Branch | Fishers , IN | 46038 | $66.0M |
| Elkhart East Branch | Elkhart , IN | 46516 | $63.9M |
| Mentone Branch | Mentone , IN | 46539 | $62.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 15, 1995 | Structure Change | Acquired Gateway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 1993 | Structure Change | Acquired Prime Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 1984 | Structure Change | Acquired State Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 2, 1966 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Lake City Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.9% of deposits in IN, rank 9 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,433 applications, 1,870 loans originated, $377.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Lake City Bank
What are Lake City Bank's total assets?
As of the Q2 2026 filing, Lake City Bank reported total assets of $7.24 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake City Bank headquartered?
Lake City Bank is headquartered in Warsaw, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lake City Bank founded?
Lake City Bank was established in 1872, per the FDIC institution directory.
Is Lake City Bank FDIC-insured?
Yes. Lake City Bank is an FDIC-insured commercial bank (FDIC Certificate #13102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake City Bank?
Lake City Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lake City Bank's CET1 capital ratio?
Lake City Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lake City Bank operate?
Lake City Bank operates 58 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake City Bank's Texas Ratio?
Lake City Bank's Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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