Bank · FDIC insured
Lake City Bank
A $7.2B bank, the 212th largest of 4,207, headquartered in Warsaw, IN, with 56 branches in Indiana. Best rates: CDs 2.75% and savings 1.35% APY.
Lake City Bank Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#9 of 12 in Warsaw, IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lake City Bank
Founded in 1872 in Warsaw, Indiana, Lake City Bank is a commercial bank operated under holding company Lakeland Financial Corporation.
The bank operates 55 branches serving Northern and Central Indiana, with a regional focus that includes nine branches in Indianapolis.
- Headquarters
- 202 E Center St, Warsaw, IN 46580
- FDIC certificate
- 13102 ↗
Branches
56 branches in Indiana
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Indiana
56 branches
Warsaw area · 13
- Lake City BankMain office202 E Center St, Warsaw, IN 46580Directions
- Mentone Branch202 E Main St, Mentone, IN 46539Directions
- Milford Branch202 S Higbee St, Milford, IN 46542Directions
- North Webster Branch644 N Main St, North Webster, IN 46555Directions
- Pierceton Branch108 S First St, Pierceton, IN 46562Directions
- Silver Lake Branch102 E Main St, Silver Lake, IN 46982Directions
- Syracuse Branch502 S Huntington St, Syracuse, IN 46567Directions
- Drive-In Branch220 E Center St, Warsaw, IN 46580Directions
- Warsaw East Branch3601 Commerce Dr, Warsaw, IN 46580Directions
- Warsaw North Branch420 Chevy Way, Warsaw, IN 46582Directions
- West Lake Branch1221 W Lake St, Warsaw, IN 46580Directions
- Grace Village Branch1324 Wooster Rd, Winona Lake, IN 46590Directions
- Winona Lake Branch99 Chestnut Ave, Winona Lake, IN 46590Directions
Elkhart area · 11
- Elkhart Branch864 E Beardsley Ave, Elkhart, IN 46514Directions
- Elkhart East Branch22050 State Road 120, Elkhart, IN 46516Directions
- Elkhart High School Branch2608 California Rd, Elkhart, IN 46514Directions
- Elkhart Jimtown Branch3618 S Nappanee St, Elkhart, IN 46517Directions
- Elkhart Northwest Branch1206 N Nappanee St, Elkhart, IN 46514Directions
- Elkhart River District Branch240 E Jackson Blvd, Elkhart, IN 46516Directions
- Concord Goshen Branch4202 Elkhart Rd, Goshen, IN 46526Directions
- Goshen Branch2513 S Main St, Goshen, IN 46526Directions
- Goshen Downtown Branch119 S 3rd St, Goshen, IN 46526Directions
- Middlebury Branch712 Wayne St, Middlebury, IN 46540Directions
- Nappanee Branch202 W Market St, Nappanee, IN 46550Directions
Indianapolis area · 9
- Carmel Branch1361 S Rangeline Rd, Carmel, IN 46032Directions
- Indianapolis Michgan Road Branch9640 N Michigan Rd, Carmel, IN 46032Directions
- Fishers Branch13104 Fishers Makretplace Dr, Fishers, IN 46038Directions
- Greenwood Branch705 S State Road 135, Greenwood, IN 46143Directions
- 16 Tech Branch1220 Waterway Blvd, Suite #a140, Indianapolis, IN 46202Directions
- Indianapolis Clearwater Branch3805 E 82nd St, Indianapolis, IN 46240Directions
- Indianapolis Downtown Branch101 W Ohio St, Indianapolis, IN 46204Directions
- Indianapolis North Branch100 W 96th St, Indianapolis, IN 46260Directions
- Westfield Branch170 Jersey St, Westfield, IN 46074Directions
Fort Wayne area · 6
- Columbia City Branch601 Country Side Dr, Columbia City, IN 46725Directions
- Fort Wayne Downtown Branch818 S Harrison St, Fort Wayne, IN 46802Directions
- Fort Wayne Jefferson Branch6851 W Jefferson Blvd, Fort Wayne, IN 46804Directions
- Fort Wayne North Branch302 E Dupont Rd, Fort Wayne, IN 46825Directions
- Fort Wayne Northeast Branch10411 Maysville Rd, Fort Wayne, IN 46835Directions
- Fort Wayne Southwest Branch10429 Illinois Road, Fort Wayne, IN 46804Directions
South Bend area · 4
- Granger Branch12830 State Rd 23, Granger, IN 46530Directions
- Mishawaka Branch5015 N Main St, Mishawaka, IN 46545Directions
- South Bend Downtown Branch101 N Michigan St, South Bend, IN 46601Directions
- South Bend Northwest Branch21113 Cleveland Rd, South Bend, IN 46628Directions
Plymouth area · 3
- Argos Branch100 N Michigan St, Argos, IN 46501Directions
- Bremen Branch1600 State Road 331, Bremen, IN 46506Directions
- Plymouth Branch826 E Jefferson St, Plymouth, IN 46563Directions
Kendallville area · 3
- Kendallville Branch631 Professional Way, Kendallville, IN 46755Directions
- Ligonier Downtown Branch222 S Cavin St, Ligonier, IN 46767Directions
- Ligonier South Branch1470 Lincolnway S, Ligonier, IN 46767Directions
Akron area · 1
- Akron Branch114 W Rochester St, Akron, IN 46910Directions
Auburn area · 1
- Auburn Branch1220 E 7th St, Auburn, IN 46706Directions
Huntington area · 1
- Huntington Branch1501 N Jefferson St, Huntington, IN 46750Directions
Lagrange area · 1
- Lagrange Branch901 S Detroit St, Lagrange, IN 46761Directions
Medaryville area · 1
- Medaryville Branch205 E Main St, Medaryville, IN 47957Directions
Rochester area · 1
- Rochester Branch507 E 9th St, Rochester, IN 46975Directions
Shipshewana area · 1
- Shipshewana Branch895 N Van Buren St, Shipshewana, IN 46565Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.89% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.36% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.66% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalLeverage ratio11.89%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.66%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lake City Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.