Side-by-side · Q2 2026 data
1st Source Bank vs Lake City Bank
Metric by metric
| Measure | 1st Source Bank | Lake City Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 87 (stronger) | 69 |
| Loan quality | 67 | 88 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 22 | 26 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 77th | 70th |
| Total assets | $9.3B | $7.2B |
| Deposits / shares | $7.4B | $6.3B |
| Capital ratio | 13.72% (stronger) | 11.89% |
| Problem loans | 0.99% | 0.36% (stronger) |
| Net charge-offs | 0.13% | 0.08% (stronger) |
| Return on assets | 1.99% (stronger) | 1.66% |
| Loans ÷ deposits | 95.0% | 86.9% (stronger) |
| Uninsured deposits | 53.8% (stronger) | 57.6% |
| Offices | 76 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | 12.4% |
1st Source Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), 1st Source Bank leads on 4 and Lake City Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fort Wayne, IN
- Elkhart, IN
- South Bend, IN
- Warsaw, IN
- Mishawaka, IN
- Granger, IN
- Goshen, IN
- Carmel, IN
- Argos, IN
- Huntington, IN
- Middlebury, IN
- Nappanee, IN
- Plymouth, IN
- Rochester, IN
- Bremen, IN
- Auburn, IN
- Columbia City, IN