| Metric | Lake City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +2.7% | +5.1% | -2.4 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 1.66% | 1.26% | +0.4 pts |
| ROE | 15.5% | 12.2% | +3.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.24B | $6.34B | $5.51B | $751.3M | $58.9M | 1.66% | 3.47% | 0.28% |
| Q1 2026 | $7.08B | $6.19B | $5.41B | $758.8M | $28.7M | 1.63% | 3.46% | 0.30% |
| Q4 2025 | $6.98B | $5.97B | $5.31B | $769.1M | $110.8M | 1.61% | 3.45% | 0.30% |
| Q3 2025 | $6.89B | $6.03B | $5.18B | $741.3M | $78.8M | 1.54% | 3.43% | 0.28% |
| Q2 2025 | $6.96B | $6.18B | $5.16B | $706.3M | $49.6M | 1.45% | 3.40% | 0.44% |
| Q1 2025 | $6.85B | $5.96B | $5.13B | $687.6M | $22.1M | 1.31% | 3.36% | 0.84% |
| Q4 2024 | $6.68B | $5.91B | $5.03B | $675.3M | $97.5M | 1.48% | 3.20% | 0.85% |
| Q3 2024 | $6.64B | $5.84B | $5.00B | $694.4M | $72.0M | 1.46% | 3.16% | 0.87% |
Loan mix (Q2 2026): real estate $3.54B · commercial $1.64B · consumer $117.7M · securities $1.17B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lake City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 59.0% | 14th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lake City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lake City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lake City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lake City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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