Total Assets
$7.0B
Total balance-sheet footings
FDIC Cert #13102 · Warsaw, Indiana · Est. 1872
Lake City Bank - FDIC Bank Health Profile
A community-scale look at Lake City Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $7.0B
- Total assets
- A
- Health grade · Excellent
- 1.61%
- Return on assets
- 14.9%
- Tier 1 capital
Data updated July 2026
The verdict
Lake City Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.89% Tier 1, profitable at 1.61% ROA, efficient (45% cost ratio).
- #220
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 14.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Lake City Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lake City Bank's composite health score
Tier 1 Capital Ratio (14.89%) 35/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (2.49%) 20/20
Efficiency Ratio (45.33%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$6.0B
Customer-funded liabilities
Net Loans
$5.3B
Outstanding loan book
Net Income
$111M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lake City Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lake City Bank's score of 95/100 falls in the highlighted band.
Lake City Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lake City Bank's $7.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.89%
Texas Ratio
2.49%
Equity Capital
$769M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
15.47%
Efficiency Ratio
45.33%
What the numbers say about Lake City Bank
Lake City Bank is an FDIC-insured institution (Certificate #13102) headquartered in Warsaw, Indiana, established in 1872. It holds $7.0B in total assets - 220th of 4,313 FDIC-insured banks, $6.0B in customer deposits, and $5.3B in net loans. Looking at capital strength, Tier 1 stands at 14.89%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.49%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Lake City Bank's asset base places it among the largest FDIC-insured institutions in the country, 220th of 4,313 nationally, and 7th of 90 banks headquartered in Indiana. Only German American Bank ($8.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$375M
Interest Income
$47M
Non-Interest Income
$122M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lake City Bank reports a Texas Ratio of 2.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lake City Bank (FDIC Cert #13102) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
| United Fidelity Bank, fsbEvansville | $6.3B | D | -0.09% |
Frequently asked questions
What is Lake City Bank's health grade?▼
Lake City Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lake City Bank?▼
Lake City Bank holds $7.0B in total assets and $6.0B in deposits, ranking 220th of 4,313 FDIC-insured banks by asset size. It is headquartered in Warsaw, Indiana.
Is my money safe at Lake City Bank?▼
Yes, deposits at Lake City Bank (Certificate #13102) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lake City Bank's Tier 1 Capital Ratio?▼
Lake City Bank has a Tier 1 Capital Ratio of 14.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Lake City Bank?▼
Lake City Bank has a Texas Ratio of 2.49%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lake City Bank?▼
Lake City Bank has an Efficiency Ratio of 45.33%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lake City Bank's profile as a depositor or analyst.
- Lake City Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lake City Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.