BlastPoint's Banking Scorecard
Lake City Bank
Designations: ✓ Community bank
Warsaw, IN
57 branches across IN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
- Deposits +2.7% year over year ($6.3B on the books).
- Delinquency rate 0.36%.
- Return on assets 1.66%.
- Efficiency ratio 45.83% vs a 59.73% peer average.
- Loan-to-deposit ratio 86.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 13.90% below tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.2B
+4.0% YoY
+2.2% QoQ
|
+$4.4B |
$2.8B
-0.6% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Top 6.1% in tier |
| Total Loans ? |
$5.5B
+6.8% YoY
+2.0% QoQ
|
+$3.5B |
$2.0B
-0.3% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Top 4.6% in tier |
| Total Deposits ? |
$6.3B
+2.7% YoY
+2.5% QoQ
|
+$4.0B |
$2.3B
-0.5% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
Top 4.4% in tier |
| Return on Assets ? |
1.66%
+14.3% YoY
+1.6% QoQ
|
+0.27% |
1.39%
+17.0% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
3.47%
+2.2% YoY
+0.3% QoQ
|
-0.40% |
3.87%
+6.2% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
45.83%
-0.6% YoY
-1.1% QoQ
|
-13.90% |
59.73%
-12.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
Top 13.2% in tier |
| Delinquency Rate ? |
0.36%
-39.0% YoY
-6.5% QoQ
|
-0.50% |
0.87%
+11.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
86.89%
+4.0% YoY
-0.5% QoQ
|
+1.86% |
85.04%
-0.1% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.60%
+0.7% YoY
-2.1% QoQ
|
-0.68% |
21.27%
-1.5% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.28%
-37.9% YoY
-6.7% QoQ
|
-0.40% |
0.67%
+11.7% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
14.13%
-3.7% YoY
-3.4% QoQ
|
-0.71% |
14.84%
-0.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.34%
+9.7% YoY
+92.4% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.6%
+0.1pp YoY -0.4pp QoQ |
-0.8pp | 21.4% | 16.8% | 22.2% | 54% |
| Brokered Deposits |
4.7%
+2.3pp YoY -1.4pp QoQ |
-4.7pp | 9.5% | 7.2% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
29.8%
+0.9pp YoY +0.6pp QoQ |
+15.8pp | 14.0% | 11.1% | 12.5% | 91% |
| CRE |
50.2%
-1.9pp YoY -0.7pp QoQ |
+0.2pp | 50.0% | 36.2% | 41.4% | 51% |
| 1-4 Family |
10.7%
+1.0pp YoY +0.4pp QoQ |
-15.7pp | 26.4% | 40.0% | 31.3% | 19% |
| Consumer |
2.1%
+0.1pp YoY 0.0pp QoQ |
-2.6pp | 4.7% | 3.2% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-0.5pp YoY -0.5pp QoQ |
-1.5pp | 15.6% | 17.5% | 19.7% | 60% |
| Leverage Ratio |
11.9%
-0.3pp YoY -0.5pp QoQ |
+0.6pp | 11.3% | 13.0% | 12.6% | 75% |
| Total Capital Ratio |
15.3%
-0.5pp YoY -0.5pp QoQ |
-1.4pp | 16.7% | 18.7% | 20.8% | 60% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
695
+20 (+3.0%) YoY +21 (+3.1%) QoQ |
+381 | 313 | 237 | 482 | 92% |
| Assets per Employee ($) |
$10.4M
+1.0% YoY -0.8% QoQ |
-$69K | $10.5M | $7.5M | $8.8M | 69% |
| Branch Count |
57
+1 (+1.8%) YoY 0 QoQ |
+37 | 20 | 17 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 2% |
| Nonaccrual |
0.4%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 36% |
| Allowance Coverage |
3.53x
+62.7% YoY +7.4% QoQ |
-15.18x | 18.71x | 6.71x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.1%
-1.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.5%
+1.1pp YoY +0.5pp QoQ |
+2.9pp | 12.6% | 11.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 69% |
| Net Income ($, YTD) |
$58.9M
+18.9% YoY — QoQ |
+$39.7M | $19.2M | $16.3M | $40.4M | 96% |
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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.