Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	01/01/1872
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	46580
State and County Number	18085
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	07
Numeric code	13
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Chicago
Core Based Statistical Area Name	Warsaw, IN

Operational Info

Number of Employees	675
Domestic Offices	56
Foreign Offices	1
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	www.lakecitybank.com
Data Updated	11/14/2025
CERT	13102
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$6.89B
Total Deposits	$6.03B
Total Liabilities	$6.15B
Total Equity Capital	$741.41M
Net Income	$29.25M
Net Loans and Leases	$5.18B
Assets Per Employee ($Millions)	$10.35M
Bank Premises and Fixed Assets	$72.18M
Cash and Balances due from Depository Institutions	$188.37M
Deposits Held in Domestic Offices	$6.03B

Return on Assets (ROA)	1.69%
Return on Equity (ROE)	16.16%
Net Interest Margin	3.47%
Efficiency Ratio	45.16%
Tier 1 Risk-Based Capital Ratio	14.956%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.12%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.753%
Earning Assets to total Assets	94.08%

Total Interest Income	$95.18M
Total Noninterest Income	$12.67M
Total Interest Expense	$38.80M
Total Noninterest Expense	$31.18M
Net Interest Income	$56.37M
Pre-tax Net Operating Income	$35.86M
Provision for Credit Losses	$2.00M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$284.00k
Other borrowed funds	$63.45M
Federal Funds Sold & Reverse Repurchase Agreement	$2.44M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$45.64M
Total Liabilities and Capital	$6.89B

Securities	$1.17B
Available-for-sale debt securities	$1.03B
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$132.80M
Subordinated Debt	$0
Trading Account Assets	$15.64M
Trading Liabilities	$15.64M

What are the total assets of Lake City Bank?

$6.89B as of the latest filing.

How much are Lake City Bank's total deposits?

$6.03B in total deposits.

Where is Lake City Bank located?

Warsaw, IN.

What is the Net Interest Margin?

3.47%.

How many domestic offices does it operate?

56.

When was it established?

01/01/1872.

What is the Return on Assets (ROA)?

1.69%.

How much are total loans and leases?

$5.18B (latest filing).

What is the total interest income (latest filing)?

$95.18M.