🏦Bank Scorer

LAKE CITY BANK

WARSAW, IN · Supervised by FDIC

Est. 1872FDIC #13,102RSSD: FDIC-13102
Part ofLAKELAND FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Address

202 E Center St, WARSAW, IN

County

Kosciusko County

Established

January 1, 1872

Total Assets

$7.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2006

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.1B

Total Deposits

$6.2B

Net Loans

$5.4B

Net Income

$29M

ROA

1.63%

ROE

15.04%

Risk-Based Capital

15.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate12.67%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

56

Branch Deposits

$6.2B

1-Year Change

+1

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,24977.46%12.67%
20232,02080%10.84%
20222,77676.84%8.65%
20213,30174.64%8.42%
20203,25869.58%10.65%
20192,95674.73%11.98%
20182,76472.54%13.97%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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