Compared with Indiana
12 of 17
compared fees are above the median.
1 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
81st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 17 compared; 1 below, 4 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Lake City Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Lake City Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.9% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (81st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.8M in Q2 2026, 2.1% above the same quarter a year earlier ($2.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 17 compared published fees sit above the Indiana median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Indiana medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Monthly Maintenance
Compared at $7, the middle of its prices
Non-Network ATM
Compared at $2.25, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.3% from Q3 2025 to Q2 2026, to $2.8M. Its share of revenue, 3.9%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.8M
Lake City BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $15 to $35; we compare the highest. Non-network ATM: Listed at $2 to $2.50; we compare the midpoint. Monthly maintenance: Listed at $5 to $9; we compare the midpoint.
Lake City Bank · $7.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lake City Bank(this institution) | Warsaw, IN | $7.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bangor Savings Bank | Bangor, ME | $7.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Colorado | Fort Collins, CO | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bankers Trust Company | Des Moines, IA | $7.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cambridge Savings Bank | Cambridge, MA | $7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Pacific Bank | Honolulu, HI | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Trust Bank, Inc. | Pikeville, KY | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Equity Bank | Andover, KS | $7.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intrust Bank, National Association | Wichita, KS | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Johnson Bank | Racine, WI | $7.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kearny Bank | Kearny, NJ | $7.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Needham Bank | Needham, MA | $7.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northpointe Bank | Grand Rapids, MI | $7.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Bank | Miami, FL | $7.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pathward, National Association | Sioux Falls, SD | $7.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Republic Bank & Trust Company | Louisville, KY | $7.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ridgewood Savings Bank | Ridgewood, NY | $7.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stockman Bank of Montana | Miles City, MT | $7.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| TBK BANK, SSB | Dallas, TX | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Camden National Bank | Camden, ME | $6.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers National Bank of Canfield | Canfield, OH | $7.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Washington Trust Company, of Westerly | Westerly, RI | $6.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| TrustCo Bank | Glenville, NY | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its two prices, against a peer median of $9 among 19 publishing peers.
Its two checking prices are $5 and $9.
$7 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Lake City Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.8M | +$11K | +0.4% |
| Q1 2026 | $2.8M | −$92K | −3.2% |
| Q4 2025 | $2.9M | +$43K | +1.5% |
| Q3 2025 | $2.8M | +$95K | +3.5% |
| Q2 2025 | $2.7M | +$47K | +1.7% |
| Q1 2025 | $2.7M | −$47K | −1.7% |
| Q4 2024 | $2.7M | −$7K | −0.3% |
| Q3 2024 | $2.7M | +$33K | +1.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Lake City Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Lake City Bank by share.
Amounts from Lake City Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item · Per charged-off account
per item
per month · Per account
per item
per item · Per statement (excluding Essential Checking and Getting Ahead Checking accounts)
per item · LCB staff assisted, per transaction
per item · Per payment
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Essential Checking Monthly Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Charge-off Processing fee | $30Above the U.S. middle 50% ($7 to $25 nationally) | per item | Per charged-off account |
| Indemnity Bond Preparation fee | $35Above the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Undeliverable Address fee | $6Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | Per account |
Overdraft & NSF | |||
| Overdraft (OD) | $15Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Non-LCB Usage fees | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Non-Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic (customers only) - Incoming | $18Above the U.S. middle 50% ($5 to $15 nationally) | per item | Customers only |
| Wire Transfer International (customers only) Incoming | $18Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Drafts (customers only) | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check (customers only) | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Images of processed items on statement | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | Per statement (excluding Essential Checking and Getting Ahead Checking accounts) |
Digital & Electronic | |||
| ACH personal transfers to another institution - Manual (LCB staff assisted) | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per item | LCB staff assisted, per transaction |
| Lake City Bank Digital Bill Pay - Next day electronic delivery | $5Not compared: Per-occurrence charge, not monthly | per item | Per payment |
| Payments Lake City Bank Digital Bill Pay Next day paper check delivery | $17Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
Retirement & IRA | |||
| IRA Termination fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Lake City Bank operates, and what regulators and customers have on file.
Branch footprint
57 offices in 1 state, $6.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 27 | $2.4B |
| 6 | $1.6B | |
| 11 | $1.2B | |
| 9 | $692.3M | |
| 4 | $476.9M |
Fort Wayne, IN
14.7% of bank deposits, #2 of 26, up 2.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.2% |
| STAR Financial Bank | 9% |
| PNC Bank, National Association | 8.2% |
| First Merchants Bank | 7.9% |
| Flagstar Bank, National Association | 7.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fort Wayne, IN, Lake City Bank holds 14.7% of bank deposits, #2 of 26, with 6 offices.
The fee comparison uses its home metro, Elkhart-Goshen, IN.
188 offices of 60 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 26 institutions shown. $11.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 14.7% share, 6 offices, #2 of 26
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
88 offices of 34 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
2 complaints to the CFPB in 2024
Top issues, 2024
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Managing an account | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
LAKELAND FINANCIAL CORP (Nasdaq: LKFN)
Consolidated assets
$7.2B
Shareholders' equity
$732.0M
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 721994. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.