Lake City Bank

BankWarsaw, Indiana
www.lakecitybank.com

Total Assets

$7.0B

Total Deposits

$6.0B

Branches

57

Established

1872

TFS Health Grade

$
C+

79.4 / 100

Average financial health

How we grade

Lake City Bank is a bank headquartered in Warsaw, Indiana, established in 1872. With $7.0B in total assets and 57 branch locations, it has a TFS Financial Health Grade of C+ (79.4/100).

Capital & Safety

Tier 1 Capital Ratio
12.50%(8%)
Total Capital Ratio
16.05%(10%)
Non-Performing Loan Ratio
0.39%

Profitability

Return on Assets (ROA)
1.61%(1%)
Return on Equity (ROE)
15.47%(10%)
Net Interest Margin
3.45%
Efficiency Ratio
45.33%(60%)

Lending & Liquidity

Total Loans
$5.4B
Loan-to-Deposit Ratio
88.88%
Net Charge-Off Ratio
0.55%

Growth

Asset Growth (YoY)
+4.62%
Deposit Growth (YoY)
+1.13%
Net Income
$110.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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