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Lake City Bank
Warsaw, IN·FDIC Cert #13102·Charter: STATE·Est. 18720101.0·HC: LAKELAND FINANCIAL CORP
Total Assets
$7.0B
Q4 2025
Return on Assets
1.61%
+0.08%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.33%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.61%+0.08
ROE
15.47%+0.51
Efficiency
45.33%-0.45
Equity/Assets
0.00%+0.00
NPL Ratio
0.39%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.88%+2.93
Charge-offs
0.55%-0.21
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.5 | 1.5 | 1.5 | 1.3 | 1.5 | 1.5 | 1.6 |
| ROE | 15.2 | 14.9 | 14.7 | 14.8 | 13.0 | 14.4 | 15.0 | 15.5 |
| Efficiency | 49.1 | 47.8 | 47.6 | 47.1 | 47.3 | 46.1 | 45.8 | 45.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 1.1 | 1.2 | 1.1 | 1.1 | 0.6 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 1.1 | 0.8 | 0.5 |
| Loan/Deposit | 87.6 | 86.2 | 85.6 | 85.2 | 86.1 | 83.5 | 85.9 | 88.9 |
Balance Sheet
Total Assets$7.0B
Total Deposits$6.0B
Total Loans$5.3B
Total Equity$769.1M
Profitability
ROA1.61%
ROE15.47%
Efficiency Ratio45.33%
Net Income$110.8M
Risk & Asset Quality
NPL Ratio0.39%
Charge-off Rate0.55%
Loan/Deposit88.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans