Lake City Bank
Warsaw, IN
IDRSSD: 874845
Total Assets
$6.98B
Latest filing
Total Deposits
$5.97B
Latest filing
Net Interest Margin
3.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
074903719WARSAW, IN
Key People
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Locations
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Main Office
Lake City Bank
202 E Center St
Warsaw, IN 46580
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1872FDIC Certificate 8287
Branches (57)
Page 1 of 9| Name | Address | City / State |
|---|---|---|
| Lake City Bank (Main) | 202 E Center St | Warsaw, IN |
| LAGRANGE BRANCH | 901 S Detroit St | Lagrange, IN |
| LIGONIER DOWNTOWN BRANCH | 222 S Cavin St | Ligonier, IN |
| BREMEN BRANCH | 1600 State Road 331 | Bremen, IN |
| HUNTINGTON BRANCH | 1501 N Jefferson St | Huntington, IN |
| WINONA LAKE BRANCH | 99 Chestnut Ave | Winona Lake, IN |
| SILVER LAKE BRANCH | 102 E Main St | Silver Lake, IN |
| DRIVE-IN BRANCH | 220 E Center St | Warsaw, IN |
Showing 7 of 57
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 666 |
| Domestic Offices | 57 |
| 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 | 01/30/2026 |
| CERT | 13102 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.98B |
| Total Deposits | $5.97B |
| Total Liabilities | $6.22B |
| Total Equity Capital | $769.23M |
| Net Income | $31.93M |
| Net Loans and Leases | $5.31B |
| Assets Per Employee ($Millions) | $10.44M |
| Bank Premises and Fixed Assets | $72.61M |
| Cash and Balances due from Depository Institutions | $137.00M |
| Deposits Held in Domestic Offices | $5.97B |
Key Performance Ratios
| Return on Assets (ROA) | 1.84% |
| Return on Equity (ROE) | 16.91% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 44.05% |
| Tier 1 Risk-Based Capital Ratio | 14.894% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.013% |
| Earning Assets to total Assets | 94.39% |
Income and Expense
| Total Interest Income | $94.31M |
| Total Noninterest Income | $12.28M |
| Total Interest Expense | $36.78M |
| Total Noninterest Expense | $30.75M |
| Net Interest Income | $57.53M |
| Pre-tax Net Operating Income | $39.06M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $178.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.52M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $48.59M |
| Total Liabilities and Capital | $6.98B |
Securities
| Securities | $1.19B |
| Available-for-sale debt securities | $1.05B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $133.21M |
| Subordinated Debt | $0 |
| Trading Account Assets | $14.63M |
| Trading Liabilities | $14.63M |
Frequently Asked Questions
What are the total assets of Lake City Bank?
$6.98B as of the latest filing.
How much are Lake City Bank's total deposits?
$5.97B in total deposits.
Where is Lake City Bank located?
Warsaw, IN.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
57.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
1.84%.
How much are total loans and leases?
$5.31B (latest filing).
What is the total interest income (latest filing)?
$94.31M.