Lake City Bank (FDIC #13102): Bank Stress & Real-Estate Credit Exposure
Lake City Bank (FDIC Cert #13102): bank stress 56/100, moderate, STABLE over 7 days; parent LAKELAND FINANCIAL CORP (LKFN).
Lake City Bank (#13102) lends in 15 counties across 1 state; Lake City Bank (#13102) reaches 215 ZIP codes: Indiana 15 counties, 215 ZIPs.
Lake City Bank (#13102) largest markets: Marion County, IN (123 branches, 41 ZIPs) (#13102), Allen County, IN (165 branches, 33 ZIPs) (#13102), St. Joseph County, IN (100 branches, 25 ZIPs) (#13102), Hamilton County, IN (115 branches, 23 ZIPs) (#13102), Kosciusko County, IN (294 branches, 21 ZIPs) (#13102), Noble County, IN (54 branches, 18 ZIPs) (#13102).
Lake City Bank (#13102) reports $7.24 billion in total assets; Lake City Bank (#13102) equity $751.3 million (10.4% of Lake City Bank (#13102) assets); Lake City Bank (#13102) domestic deposits $6.34 billion; Lake City Bank (#13102) net income $58.9 million; Lake City Bank (#13102) return on assets 1.66%; Lake City Bank (#13102) return on equity 15.52%; Lake City Bank (#13102) net interest income $115.9 million; Lake City Bank (#13102) call report June 30, 2026.
Lake City Bank (#13102) noncurrent real-estate loans: none reported; Lake City Bank (#13102) residential -0.01%; Lake City Bank (#13102) net charge-offs on real estate 0.22%; Lake City Bank (#13102) commercial charge-offs 0.08%; Lake City Bank (#13102) residential charge-offs 0.22%.
Lake City Bank (#13102) net interest margin 3.47% against an eight-quarter Lake City Bank (#13102) average of 3.37% (Lake City Bank (#13102) compression -0.10 points); Lake City Bank (#13102) commercial real estate 7.9% of equity; Lake City Bank (#13102) non-residential real estate 22.0% of equity; Lake City Bank (#13102) rate-exposure score 41/100, Lake City Bank (#13102) fixed-rate trap 41/100; Lake City Bank (#13102) risk type market signal; Lake City Bank (#13102) rate regime rates elevated; Lake City Bank (#13102) shares 8.9% below the 52-week high, Lake City Bank (#13102) equity trend weakening, Lake City Bank (#13102) snapshot October 20, 2026.
Lake City Bank (#13102) stress score moved from 54 on June 22, 2026 to 56 on October 20, 2026; Lake City Bank (#13102) ranged 54 to 56 over 117 snapshots.
Lake City Bank (#13102) alerts: 15 counties; top Lake City Bank (#13102) alert scores: Huntington County, IN 31 (low); Auburn County, IN 21 (low); Columbia City County, IN 21 (low); Fort Wayne County, IN 21 (low); Greenwood County, IN 21 (low).