BlastPoint's Banking Scorecard
Lake City Bank
Designations: ✓ Community bank
Warsaw, IN
57 branches across IN
Lake City Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Efficiency Ratio 14.73% below tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.1B
+3.4% YoY
+1.3% QoQ
|
+$4.3B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Top 7.0% in tier |
| Total Loans ? |
$5.4B
+5.3% YoY
+1.8% QoQ
|
+$3.4B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Top 5.1% in tier |
| Total Deposits ? |
$6.2B
+3.8% YoY
+3.7% QoQ
|
+$3.8B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Top 5.5% in tier |
| Return on Assets ? |
1.63%
+24.7% YoY
+1.4% QoQ
|
+0.27% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.46%
+2.9% YoY
+0.2% QoQ
|
-0.36% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
46.34%
-2.1% YoY
+2.2% QoQ
|
-14.73% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
Top 13.1% in tier |
| Delinquency Rate ? |
0.39%
-65.4% YoY
-1.6% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
87.30%
+1.4% YoY
-1.8% QoQ
|
+3.10% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
21.04%
-3.5% YoY
+2.9% QoQ
|
-0.24% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.30%
-64.9% YoY
-1.1% QoQ
|
-0.38% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.63%
+1.5% YoY
-1.8% QoQ
|
-0.53% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.18%
+15.4% YoY
-73.3% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.