LAKELAND FINANCIAL CORP is the bank holding company. LAKE CITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

LAKELAND FINANCIAL CORP

Legal name: LAKELAND FINANCIAL CORPORATION

1 active bank · $7.1B combined assets

RSSD ID: 1208906 (FFIEC NIC)

Combined Assets

$7.1B

CRA Rating Summary

Satisfactory1charter

Across all 6 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankLAKE CITY BANKWARSAW, INSatisfactory$7.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$7.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$6.2B

Net Income

$29M

ROA (avg)

1.63%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

2,249

Origination Rate

77.46%

Denial Rate

12.67%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
LAKE CITY BANK	WARSAW, IN	FDIC	$7.1B	100.0%	Satisfactory	Mar 2006

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.