Lake City Bank is a bank based in Warsaw, Indiana, established in 1872, with $7.1 billion in total assets across 58 branches. By Trust Grade it ranks 30th of 89 banks we track in Indiana. Its capital ratio of 10.7% is stronger than 58% of similarly sized banks, versus a Indiana median of 9.6%. It was profitable over the most recent period, with a 1.63% return on assets. Consumers filed 5 complaints about Lake City Credit with the CFPB — 0.7 per $1B in assets, a lower rate than 85% of peers.
How Lake City Bank compares to Indiana peers
How we graded Lake City Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.7% capital ratio)
- Strongly profitable (ROA 1.63%)
- 0.7 complaints per $1B in assets
Consumer complaints (CFPB)
5 complaints filed with the CFPB against Lake City Credit — 0.7 per $1B in assets.
Branch locations (58)
- 901 S Detroit St, Lagrange, IN 46761
- 222 S Cavin St, Ligonier, IN 46767
- 1600 State Road 331, Bremen, IN 46506
- 1501 N Jefferson St, Huntington, IN 46750
- 99 Chestnut Ave, Winona Lake, IN 46590
- 102 E Main St, Silver Lake, IN 46982
- 220 E Center St, Warsaw, IN 46580
- 1221 W Lake St, Warsaw, IN 46580
- 644 N Main St, North Webster, IN 46555
- 502 S Huntington St, Syracuse, IN 46567
- 202 E Main St, Mentone, IN 46539
- 202 S Higbee St, Milford, IN 46542
- 108 S First St, Pierceton, IN 46562
- 3601 Commerce Dr, Warsaw, IN 46580
- 114 W Rochester St, Akron, IN 46910
- 2513 S Main St, Goshen, IN 46526
- 864 E Beardsley Ave, Elkhart, IN 46514
- 22050 State Road 120, Elkhart, IN 46516
- 895 N Van Buren St, Shipshewana, IN 46565
- 712 Wayne St, Middlebury, IN 46540
- 4202 Elkhart Rd, Goshen, IN 46526
- 507 E 9th St, Rochester, IN 46975
- 631 Professional Way, Kendallville, IN 46755
- 3618 S Nappanee St, Elkhart, IN 46517
- 1206 N Nappanee St, Elkhart, IN 46514
- 12830 State Rd 23, Granger, IN 46530
- Www.Lakecitybank.Com, Warsaw, IN 46581
- 5015 N Main St, Mishawaka, IN 46545
- 826 E Jefferson St, Plymouth, IN 46563
- 302 E Dupont Rd, Fort Wayne, IN 46825
- Cedar House, 41 Cedar Avenue, Hamilton, 00000
- 205 E Main St, Medaryville, IN 47957
- 601 Country Side Dr, Columbia City, IN 46725
- 100 N Michigan St, Argos, IN 46501
- 1470 Lincolnway S, Ligonier, IN 46767
- 202 W Market St, Nappanee, IN 46550
- 1324 Wooster Rd, Winona Lake, IN 46590
- 10429 Illinois Road, Fort Wayne, IN 46804
- 21113 Cleveland Rd, South Bend, IN 46628
- 10411 Maysville Rd, Fort Wayne, IN 46835
Are deposits at Lake City Bank insured?
Yes. Lake City Bank is an FDIC-insured bank (FDIC certificate #13102). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lake City Bank: frequently asked questions
Is Lake City Bank a good bank?
Lake City Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 98/100 and a customer-experience score of 87.98/100. Strongly capitalized (10.7% capital ratio); Strongly profitable (ROA 1.63%).
Is Lake City Bank FDIC-insured?
Yes. Lake City Bank is a FDIC-insured bank (FDIC certificate #13102). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Lake City Bank?
Lake City Bank holds $7.1 billion in total assets, ranking 30th of 89 banks we track in Indiana. It operates 58 branches.
How many complaints does Lake City Bank have?
Consumers filed 5 complaints about Lake City Credit with the CFPB, or 0.7 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
