TellerScore

Lake City Bank (FDIC certificate #13102) is based in Warsaw, Indiana. Its Q2 2026 call report shows $7.2B in total assets and $6.3B in deposits and 58 offices.

Lake City Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 21st. Problem-loan coverage contributes the most (95/100, 2.4%); funding & liquidity contributes the least (26/100, 87% loans-to-deposits, 58% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.89%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 57.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the loan quality component improved by 8 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202564
Q2 202570
Q3 202574
Q4 202574
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%8.75%12.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.92%
Q3 202412.12%
Q4 202412.03%
Q1 202512.21%
Q2 202512.17%
Q3 202512.48%
Q4 202512.50%
Q1 202612.35%
Q2 202611.89%
Noncurrent loans
0.36%0.75%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.13%
Q3 20241.13%
Q4 20241.10%
Q1 20251.10%
Q2 20250.59%
Q3 20250.36%
Q4 20250.39%
Q1 20260.38%
Q2 20260.36%
Return on assets
1.31%1.49%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.46%
Q4 20241.48%
Q1 20251.31%
Q2 20251.45%
Q3 20251.54%
Q4 20251.61%
Q1 20261.63%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$7.2B11.89%0.36%1.66%86.9%
Q1 202674$7.1B12.35%0.38%1.63%87.3%
Q4 202574$7.0B12.50%0.39%1.61%88.9%
Q3 202574$6.9B12.48%0.36%1.54%85.9%
Q2 202570$7.0B12.17%0.59%1.45%83.5%
Q1 202564$6.8B12.21%1.10%1.31%86.1%
Q4 202465$6.7B12.03%1.10%1.48%85.2%
Q3 202465$6.6B12.12%1.13%1.46%85.6%
Q2 202464$6.6B11.92%1.13%1.45%86.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.89%
75th
Total risk-based capital15.27%
70th
Problem loans0.36%
63rd
Net charge-offs0.08%
36th
Return on assets1.66%
77th
Net interest margin3.47%
35th
Efficiency ratio45.8%
86th
Loans to deposits86.9%
51st
Uninsured deposits57.6%
5th
Loan-loss reserves1.26%
66th
Texas ratio2.4%
64th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
United Fidelity Bank, fsbBank Evansville, IN64 out of 100, Moderate$6.5B10.2%0.49%vs
First Financial Bank, National AssociationBank Terre Haute, IN68 out of 100, Moderate$6.2B10.4%0.61%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
First Internet Bank of IndianaBank Fishers, IN42 out of 100, Below average$5.5B7.6%1.56%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs

Deposit insurance

Is my money safe at Lake City Bank?

Yes. Lake City Bank is an FDIC-insured institution (FDIC certificate #13102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 57.6% of deposits ($3.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.27% (benchmark: 10%).

Check how much of your own balance is covered

58 locations

Branches

Lake City Bank lists 55 offices in 34 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lake City Bank reported 2,435 home-loan applications under HMDA (LEI 8Q77SW3KZ88P3GNX0T60): 1,871 originated ($377,515,000 total), 283 denied, and 156 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lake City Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
13102
RSSD ID
874845
Primary regulator
FED
Holding company
Lakeland Financial Corp
Established
January 1, 1872
Headquarters
202 E Center St, Warsaw, IN 46580
Employees
695

Quick answers

Lake City Bank: common questions

Is Lake City Bank FDIC insured?

Yes. Lake City Bank is an FDIC-insured institution (FDIC certificate #13102). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lake City Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lake City Bank ever failed?

There is no failure record for FDIC certificate #13102 in the FDIC failed bank list.

How many branches does Lake City Bank have?

58 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Warsaw

InstitutionScoreAssetsCapitalProblem loansCompare
Tlcu Financial Credit UnionCredit union Mishawaka, IN89 out of 100, Very strong$59.4M16.0%0.45%vs
Weatherhead C C Federal Credit UnionCredit union Columbia City, IN88 out of 100, Very strong$25.0M13.7%0.95%vs
Chiphone Federal Credit UnionCredit union Elkhart, IN87 out of 100, Very strong$111.8M16.4%0.38%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Three Rivers Federal Credit UnionCredit union Fort Wayne, IN78 out of 100, Strong$2.9B13.9%1.47%vs