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Lake City Bank
Warsaw, IN · FDIC Certificate #13102 · Chartered 01/0
Total assets
$7.24B
Total deposits
$6.34B
Total equity
$751.42M
Net loans
$5.51B
Branches (offices)
57
Net income (YTD)
$58.95M
Rank: #216 of 4,213 U.S. banks by assets · #7 of 87 in Indiana. Assets changed 4.0% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 15.52% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 10.38% |
| Tier 1 leverage ratio | 11.89% |
| Uninsured deposits (share of deposits) | 57.6% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 86.9% |
| Real estate loans (share of loans) | 64.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.54B | 64.3% | |
| Commercial & industrial | $1.64B | 29.8% | |
| Consumer / individual | $117.75M | 2.1% | |
| Construction & development | $451.06M | 8.2% | |
| Agricultural | $158.62M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.25B | $5.62B | $51.81M | $542.16M |
| Jun 2023 | $6.50B | $5.43B | $37.57M | $571.78M |
| Jun 2024 | $6.57B | $5.77B | $47.60M | $650.14M |
| Jun 2025 | $6.96B | $6.18B | $49.59M | $706.37M |
| Jun 2026 | $7.24B | $6.34B | $58.95M | $751.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $6.34B | 57 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.34B.
Similar-sized banks
Pathward, National Association ($7.31B) · The Farmers National Bank Of Canfield ($7.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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