Slide 1: A Proven History of Shareholder Value Creation and Commitment to Our Communities
Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 2nd Quarter 2026 LKFN L I S T E D
Slide 2: Executive contacts
2 David M. Findlay Chairman & Chief Executive Officer david.findlay@lakecitybank.com (574) 267-9197 Kristin L. Pruitt President kristin.pruitt@lakecitybank.com (574) 371-9220 Lisa M. O’Neill Executive Vice President & Chief Financial Officer lisa.oneill@lakecitybank.com (574) 267-9125
Slide 3: Forward-Looking Information
3 Forward-Looking Information This presentation contains, and future oral and written statements of the company and its management may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of op
Slide 4: Long Term Success for Shareholders
4 Long Term Success for Shareholders LTM ROE >13% Source: S&P Capital IQ Pro. Financial data is as of March 31, 2026. (1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 7/7/26; excludes merger targets. (2) Defined as having positive net income before extraordinary items and pr
Slide 5: Strong Capital Structure
Tangible Common Equity 92.7% Allowance for Credit Losses 7.3% $3 5. 70 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 $35.00 $40.00 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 20 07 20 09 20 11 20 13 20 15 20 17 20 19 20 21 20 23 20 25 Tangible Book Value(1) Per Share 5 Strong Capital Structure
Slide 6: Lake City Bank Today
6 Lake City Bank Today • An entrepreneurial 154-year-old de novo bank • A long-term and consistent organic growth story • Headquartered in Warsaw, Indiana • 55 branch offices - $7.2 billion banking assets • $3.8 billion in Wealth Advisory assets • A forward-thinking technology adopter • Focused on e
Slide 7: Years of Organic Growth
7 34 Years of Organic Growth A History of Balance Sheet and Income Statement Expansion $2 ,7 07 $1 03 ,3 61 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 20 07 20 09 20 11 20 13 20 15 20 17 20 19 20 21 20 23 20 25 Net Income (000’s) Compound Ann
Slide 8: Established Market Presence
8 Established Market Presence Organic Growth Potential in Mature and Expanding Markets
Slide 9: Projected Population Growth Reflects Strength of Economy
9 Projected Population Growth Reflects Strength of Economy • 67% of Lake City Bank counties are growth and high growth counties • 40% of Lake City Bank counties are high growth counties • Indiana is poised to experience continued economic strength and vitality
Slide 10: Indiana Generates 24% of its GDP from Manufacturing
10 Indiana Generates 24% of its GDP from Manufacturing1 The Most Manufacturing Focused State in the Country2 (1) https://www.visualcapitalist.com/u-s-states-depend-most-on-manufacturing/ (2) https://www.statsamerica.org/sip/rank_list.aspx?rank_label=gsp2_b&item_in=12&ct=S18
Slide 11: Indiana Is Poised For Continued Economic Growth
11 Indiana Is Poised For Continued Economic Growth • In 2026, Herb Simon, the owner of the Pacers Sports & Entertainment, broke ground on a mixed-use development downtown featuring the first Ritz-Carlton in Indianapolis and a 4,000 person capacity live music venue operated by Live Nation for the ent
Slide 12: Strong Regional and Statewide Economy
12 Strong Regional and Statewide Economy Indiana Unemployment Rate is Lower than the National Average U ne m pl oy m en t Source: United States Bureau of Labor Statistics. Lake City Bank footprint is defined as Kosciusko, Marshall, Fulton, Pulaski, Noble, Whitley, St. Joseph, Elkhart, LaGrange, Alle
Slide 13: Fortress Balance Sheet
13 Fortress Balance Sheet LKFN Above Peer Long-Term Profitability has Contributed to a Strong Capital Foundation 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 16.0% 17.0% 18.0% Q4'10 Q4'11 Q4'12 Q4'13 Q4'14 Q4'15 Q4'16 Q4'17 Q4'18 Q4'19 Q4'20 Q4'21 Q4'22 Q4'23 Q4'24 Q4'25 Risk-Based Capital Ratio Pr
Slide 14: Net Interest Margin by Quarter
14 Net Interest Margin by Quarter NIM Expansion of 7 Basis Points Over the Second Quarter 2025 3.16% 3.25% 3.40% 3.42% 3.50% 3.48% 3.49% 3.49% 3.00% 3.50% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 LKFN Quarterly NIM
Slide 15: Net Interest Margin: Deposit Costs Repriced More Quickly Than Loans
15 Net Interest Margin Deposit Costs Have Repriced More Quickly Than Loans • Quarterly net interest margin expanded by 7 basis points in 2026 compared to 2025 • Cumulative Loan Beta 30% for recent easing cycle • Cumulative Deposit Beta 43% for recent easing cycle • Deposit repricing in current easin
Slide 16: Interest Rate Sensitivity
16 Interest Rate Sensitivity Deposits Have Repriced Quicker Than Loans During Most Recent Easing Cycle Fixed Rate $1,534,162 31% Prime $1,105,741 23% SOFR $1,595,400 33% FHLB/Other $630,147 13% Commercial Loans $4.9 billion as of June 30, 2026 (000’s) • 87% of loan portfolio consists of commercial l
Slide 17: Projected Impact of Rising/Falling Rates
17 Projected Impact of Rising/Falling Rates Historically Asset Sensitive Balance Sheet Maintains Neutral Shift Graph presents 12 month projected net interest income simulation results as of June 30, 2026 using parallel shocks -3.55% -1.95% -0.66% -0.20% -0.03% 0.09% 0.16% 0.24% 0.31% 0.31% -5.00% -3
Slide 18: Diversified Deposit Base
18 Diversified Deposit Base Deposit Franchise Consists of Broad-based, Tenured and Deep Relationships • Deposit composition is stable and commercial deposits account for 33% of total deposits • Since 2019 the number of checking accounts have grown by: Commercial +25%, Retail +14% and Public Funds +3
Slide 19: Deposit Mix Reflects Strength of Franchise
19 Deposit Mix Reflects Strength of Franchise Core Deposit Growth Consistently Funds Loan Growth Total Retail $1,769,029 28% Total Public Fund $2,147,600 34% Total Commercial $2,113,784 33% Brokered Deposits $299,155 5% June 30, 2026 Total Deposits - $6.3 billion DDA $1.3 billion DDA % of Total Depo
Slide 20: Checking Account Trends by Deposit Sector
20 Checking Accounting Trends by Deposit Sector Number of Commercial Accounts Grow by 25% since December 2019 $1 ,1 05 ,2 67 $2 ,1 05 ,4 11 $2 ,1 29 ,9 52 $2 ,0 27 ,1 96 $1 ,9 38 ,8 75 $6 58 ,4 51 $9 37 ,4 58 $9 71 ,8 52 $9 75 ,1 56 $9 47 ,4 31 $8 34 ,9 53 $1 ,3 09 ,9 65 $1 ,6 20 ,4 60 $1 ,8 77 ,0 3
Slide 21: Shareholder Value Strategy
21 Shareholder Value Strategy 1. Commercial Banking Focus 2. High Quality Team Members 3. Proven Organic Growth Experience 4. Focus on Core Deposit Funding 5. Commitment to Technology
Slide 22: Commercial Banking Focus
22 Commercial Banking Focus Experienced Relationship Driven Team • 52 credit “smart” commercial bankers • Average 23 years in banking & 13 years at Lake City Bank • We live where we lend • Face to face calling matters and is a team effort • Deep organizational structure provides credit and administr
Slide 23: Credit Process
23 Credit Process Commercial Banking Focus • Our credit discipline has never changed • We have a centralized committee structure • We are in-market lender to in-market clients • Character matters – we lend to people first • We focus on management/cash flow • Structure is important and is disciplined
Slide 24: Lake City Bank Culture
24 Lake City Bank Culture High Quality Team Members • Our culture is our greatest asset and we will preserve it • Lake City University drives our culture • Every employee attends on average, 20 hours of instructor- led training annually • Our community involvement is real and critical to our strateg
Slide 25: Mature Market Deposit Performance
25 Mature1 Market Deposit Performance Organic Growth 2015 – 2025 $2,821 $2,689 $1,324 $494 $457 $428 $287 $283 $201 -$1,186-$1,500 -$1,000 -$500 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 Lake City Bank 1st Source JPM Chase Fifth Third Star Farm ers State First M erchants PN C O ld N ational
Slide 26: Commitment to Technology
26 Commitment to Technology Innovation and Competitive Technology is a Focus • Fintech partnerships play a significant role in our technology stack and enable delivery of innovative solutions to our customers • Investments in Lake City Bank Digital, a Q2 product implemented in 2021 with ongoing user
Slide 27: Artificial Intelligence Initiatives
27 Artificial Intelligence Initiatives AI Task Force Brings Bank-Wide Focus to Initiatives Revenue Enhancement Risk Management & Fraud Detection Operating Efficiency Sales Agents BSA/AML Solution Service Agent Automation Customer Segmentation Dark Web Monitoring Deposit Account Onboarding Agents Ref
Slide 28: Channel Utilization Today versus Pre-Pandemic
28 Channel Utilization Today versus Pre-Pandemic Mobile Adoption Significantly Outpacing All Other Delivery Channels Channel Type Total Transactions 2019(1) % of Total Total Transactions 2026(1) % of Total Period Change Branch Transactions 2,279,975 18% 2,004,473 13% (12)% ATM/ITM 944,785 7% 694,378
Slide 29: Customer Composition and Digital Adoption
29 Customer Composition and Digital Adoption Digital Adoption Across All Generations Is Strong and Increasing Customer Composition and Digital Adoption Over Three Years Generation(1) Customer Breakdown 6/30/26 6/30/25 6/30/24 Gen Alpha (2010 - Current) 4% 10% 4% 1% Gen Z (1996 - 2009) 16% 75% 72% 68
Slide 30: Financial Performance
Financial Performance
Slide 31: Income Performance Metrics
31 Income Performance Metrics LKFN Performance Exceeds National Peers and Contributes to Strong Capital Levels 1.56% 1.62% 1.45% 1.40% 1.50% 1.55% 14.19% 17.40% 15.93% 14.12% 14.40% 14.44% 14.27% 17.52% 16.03% 14.20% 14.47% 14.52% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% 18.00% 20.00% 22.00% 0.
Slide 32: Net Income and EPS
32 Net Income and EPS Net Income Improves by 17% in First Half of 2026 $95,733 $103,817 $93,767 $93,478 $103,361 $47,051 $54,918 $3.74 $4.04 $3.65 $3.63 $4.01 $1.82 $2.17 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 $5.00 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 2021 2022 2023 2
Slide 33: Pretax Pre-Provision Earnings
33 Pretax Pre-Provision Earnings Pretax Pre-Provision Earnings Improves by 6% in 2026 $118,521 $134,539 $116,183 $128,439 $137,383 $66,970 $70,971 1.93% 2.09% 1.80% 1.93% 2.00% 1.98% 2.01% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,00
Slide 34: Average Loans
34 Average Loans Average YTD Loan Growth of $278 million or 5% Compared to Prior Year 83% 77% 86% 86% 86% 89% 50% 60% 70% 80% 90% 100% 110% 120% $0 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 2021 (1) 2022 (1) 2023 2024 2025 YTD 2026 Retail Commercial Average Loans to Average D
Slide 35: $1 ,6 $1 ,5 $1 ,4 $1 ,4 $1 ,4 $1 ,5 $1 ,6
$1 ,6 96 $1 ,5 93 $1 ,4 99 $1 ,4 10 $1 ,4 94 $1 ,5 53 $1 ,6 90 $1 ,7 46 $1 ,8 05 $1 ,8 24 $1 ,9 66 $1 ,8 85 $1 ,8 88 $1 ,8 07 $1 ,8 68 $1 ,8 37 $1 ,8 93 $1 ,9 03 $1 ,8 66 $1 ,9 59 $1 ,9 93 $2 ,0 16 $2 ,1 23 $2 ,1 39 $2 ,2 32 $1 ,7 37 $1 ,8 35 $2 ,0 44 $2 ,1 90 $2 ,2 06 $2 ,2 43 $2 ,3 21 $2 ,3 53 $2
Slide 36: Commercial & Industrial Line of Credit Utilization
$8 12 $7 89 $7 20 $7 07 $7 61 $7 92 $8 11 $8 65 $8 63 $8 43 $7 98 $7 70 $7 63 $7 25 $7 60 $8 18 $8 49 $7 96 $7 27 $8 06 $8 45 $8 61 $8 54 $9 00 $9 65 $8 16 $8 77 $1 ,0 54 $1 ,1 12 $1 ,0 83 $1 ,0 49 $1 ,0 90 $1 ,0 76 $1 ,0 52 $1 ,1 37 $1 ,2 11 $1 ,2 40 $1 ,2 70 $1 ,3 27 $1 ,3 60 $1 ,3 36 $1 ,2 85 $1
Slide 37: Loan Portfolio Breakdown
37 Loan Portfolio Breakdown C&I Drives Lending Business Commercial & Industrial $1,644,371 30% Commercial RE - Owner Occupied $804,995 14% Commercial RE - Nonowner Occupied $937,493 17% Commercial RE - Multifamily $578,151 10% Commercial RE - Construction $439,987 8% Agri-business - Agriculture $339
Slide 38: Top 10 Industry Concentrations
Multifamily Housing $771,759 14% Agriculture $416,660 8% Industrial CRE $182,678 3% RV & Marine Industry $230,332 4% Hotels $160,543 3% Automobile Dealers $134,778 2% Commercial Office Real Estate $104,892 2% Restaurants $109,883 2% Lessor of Residential Buildings & Dwellings $101,050 2% Senior Livi
Slide 39: Average Deposits
$5,357,284 $5,717,358 $5,604,228 $5,836,025 $6,039,821 $6,184,817 99% 100% 97% 99% 99% 98% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% $0 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 2021 2022 2023 2024 2025 YTD 2026 Average Deposits % of Funding 39 Average Deposits Averag
Slide 40: Deposit Breakdown
40 Deposit Breakdown Deposit Costs Are Repricing Downward with Federal Funds Rate Cuts Total Retail $1,769,029 28% Total Public Fund $2,147,600 34% Total Commercial $2,113,784 33% Brokered Deposits $299,155 5% June 30, 2026 Total Deposits - $6.3 billion (000’s) 0.00% 1.00% 2.00% 3.00% 20 12 20 13 20
Slide 41: Net Interest Income
41 Net Interest Income Loan Growth and Net Interest Margin Expansion Contribute to Growth $178,088 $202,887 $197,035 $196,679 $221,017 $107,751 $115,074 3.07% 3.40% 3.31% 3.18% 3.45% 3.41% 3.49% 2.50% 3.00% 3.50% 4.00% 4.50% $0 $50,000 $100,000 $150,000 $200,000 $250,000 2021 2022 2023 2024 2025 YTD
Slide 42: Asset Quality: Nonperforming and Watchlist Loans
42 Asset Quality Total Individually Analyzed and Watchlist Loans Remain at Historic Lows 1. 52 % 2. 15 % 2. 75 % 1. 37 % 0. 94 % 0. 50 % 0. 42 % 0. 19 % 0. 25 % 0. 19 % 0. 46 % 0. 26 % 0. 35 % 0. 36 % 0. 32 % 1. 10 % 0. 39 % 0. 36 % 1. 22 % 1. 82 % 2. 20 % 1. 75 % 1. 31 % 0. 41 % 0. 35 % 0. 16 % 0.
Slide 43: Asset Quality: Allowance Levels
43 Asset Quality Allowance Levels Remain at Historical Levels 0. 42 % 0. 54 % 0. 25 % 0. 20 % 0. 11 % 0. 10 % 0. 09 % 0. 03 % -0 .0 1% 0. 13 % 0. 03 % 0. 09 % 0. 09 % 0. 10 % 0. 13 % 0. 05 % 0. 55 % 0. 08 % 1.59% 2.15% 2.39% 2.28% 1.92% 1.67% 1.42% 1.26% 1.23% 1.24% 1.25% 1.45% 1.59% 1.54% 1.46% 1.6
Slide 44: Noninterest Income
44 Noninterest Income Fee-Based Revenue Contributes to Double Digit Growth $44,720 $41,862 $49,858 $56,844 $47,971 $22,414 $25,505 20% 17% 20% 22% 18% 17% 18% 0% 10% 20% 30% 40% 50% 60% $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 2021 2022 2023 2024(1) 2025 YTD 2025 YTD 2026 N on -In te re st
Slide 45: Total Revenue
45 2026 YOY Increase 8% Total Revenue Revenue Benefits from Growth in Net Interest Income and Noninterest Income $222,808 $244,749 $246,893 $253,523 $268,988 $130,165 $140,579 $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 2021 2022 2023 2024 2025 YTD 2025 YTD 2026 (000’s) Compound annual g
Slide 46: Noninterest Expense
46 Noninterest Expense $104,287 $110,210 $130,710 $125,084 $131,605 $63,195 $69,608 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 2021 2022 2023 2024(1) 2025 YTD 2025 YTD 2026 (000’s) 2026 YOY Increase 10% Disciplined Investment in People, Strategic Branch Expansion and Technology Co
Slide 47: Efficiency Ratio
47 Efficiency Ratio Efficiency Ratio is Stable 51% 52% 50% 50% 48% 46% 45% 45% 43% 47% 45% 53% 49% 49% 50% 0% 10% 20% 30% 40% 50% 60% 70% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD 2026 Efficiency Ratio Constant investment in human capital, technology and facilities
Slide 48: Stable Healthy Dividend
48 Stable Healthy Dividend Growth in Dividend Reflects Strength of Capital $1.36 $1.60 $1.84 $1.92 $2.00 $1.00 $1.04 1.70% 2.19% 2.82% 2.79% 3.51% 3.28% 3.40% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% $0.10 $0.60 $1.10 $1.60 $2.10 2021 2022 2023 2024 2025 YTD 2025 YTD 2026 Dividend Per S
Slide 49: LKFN Shareholder Value Total Return Performance
49 LKFN Shareholder Value Total Return Performance from 12/31/00 to 6/30/26 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 20 24 20 25 LKFN S&P 500 S&P 500 US BMI Banks Index S&P Financials 2,799.83% 812
Slide 50: Investment Highlights
50 Investment Highlights • Proven History of Organic Growth • Disciplined and Focused Strategy • Strong Internal Culture • Consistent Execution and Financial Results • Service Excellence Drives Shareholder Value • Unwavering Focus on Core Business Strategy • Dedication to Long-term Shareholder Value
Slide 51: Supplemental Information
Supplemental Information
Slide 52: Lake City Bank Capital Adequacy
52 Lake City Bank Capital Adequacy Capital Strength Contributes to Fortress Balance Sheet Regulatory Ratio Description * June 30, 2026 Actual Well- Capitalized Threshold Capital Cushion (in 000’s) Non-GAAP AOCI and HTM Losses- after tax Non-GAAP Excess Capital after AOCI and HTM Non-GAAP Adjusted Ca
Slide 53: Robust Liquidity Sources
53 Robust Liquidity Sources • Available liquidity is stable at $3.4 billion, an increase from $3.3 billion at March 31, 2026 • Sources of liquidity are varied and represent wholesale funding and brokered deposits • Brokered deposits represent 5% of total deposits down from 6% at March 31, 2026 • Non
Slide 54: Liquidity Availability
(000) Liquidity Availability Used Unused/ Available Additional Loan Collateral Available for Pledge Secured/Committed Borrowings: Federal Home Loan Bank-Indianapolis(1) $ 687,104 $ 71,200 $ 615,904 $ -- Federal Reserve Bank Discount Window 1,122,575 -- 1,122,575 660,821 Total Secured/Committed $ 1,8
Slide 55: Public Fund Deposit Trends
$0 $500,000 $1,000,000 $1,500,000 $2,000,000 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-26 Checking and MMA CDs (000) $2,147,600 55 Public Fund Deposit Trends 86% of Public Fund Large Depositors include Operating Relationships $1,127,111 $1,162,457 $1,284,641 $1,429,873 $1,563,015 $1,809,6
Slide 56: Commercial Loans by County
56 Commercial Loans by County Commercial Customers in 57 Indiana Counties and 21 Other States (1) All other counties individually represent less than 2% of total Allen 15% Elkhart 13% St. Joseph 9% Kosciusko 9% Hamilton 11% Marion 15% Marshall 3% Other IN Counties (1) 16% Outside IN 9% Commercial Lo
Slide 57: Investment Portfolio
57 Investment Portfolio Recurring Cash Flows Used to Fund Organic Loan Growth M V In ve st m en ts a s a % o f A ss et s Note: Ratio of total securities to total assets excludes PPP loans of $412 million in 2020, $26 million in 2021 and $2 million in 2022 from total assets 12% 12% 12% 14% 21% 20% 18
Slide 58: Investment Security Portfolio Cashflows
58 Investment Security Portfolio Cashflows Cash Flows of $435 million Expected Through June 2030 17 ,7 20 17 ,1 46 16 ,2 81 17 ,0 67 22 ,1 80 16 ,2 22 20 ,2 89 20 ,8 41 27 ,9 18 19 ,3 31 20 ,1 12 20 ,3 64 23 ,3 01 14 ,2 07 18 ,7 73 20 ,1 59 9, 44 3 7, 58 4 9, 24 9 7, 39 4 9, 05 3 7, 19 3 8, 76 0 7,
Slide 59: Investment Portfolio Analysis
Investment Portfolio Analysis Portfolio Shrinking as a Percentage of Total Assets 59 6/30/2026 12/31/2025 Weighted Maturity Market Value % of Total Weighted Maturity Market Value % of Total US Govt REMICS 5.52 81,290 7% 5.21 90,111 8% US Govt Pools 6.06 348,605 30% 6.17 364,052 31% US Agencies 7.15
Slide 60: Larger Market Organic Expansion
60 Larger Market Organic Expansion Organic Growth State Rank County Primary City Population* LCB Entry LCB Deposit Market Share** # of Branches 22. Kosciusko Warsaw 80,669 1872 67% 12 6. Elkhart Elkhart 207,436 1990 24% 11 5. St. Joseph South Bend 273,744 1997 8% 4 3. Allen Fort Wayne 399,295 1999 1
Slide 61: Branch Expansion Strategy for Growth
61 Branch Expansion Strategy for Growth Lake City Bank Deposits in Indianapolis Total $606 Million at June 30, 2025 Indiana County 2025 Population 2050 Projected Population 25- year projected % growth 2025 Deposits in Market (000’s) Lake City Bank 2025 Deposits (000’s) Lake City Bank 2025 Deposit Ma
Slide 62: Mature Market Strength and Growth
62 Mature Market Strength and Growth Organic Growth (millions)1 2025 2015 2025 # of OfficesDeposits Share Deposits Share Increase 1. Lake City Bank $5,573 19.68% $2,752 15.53% 102.51% 55 2. 1st Source $5,539 19.56% $2,850 16.09% 94.35% 51 3. JPM Chase $3,242 11.45% $1,918 10.83% 69.03% 20 4. PNC $1,
Slide 63: Lake City Bank
Quake City Bank LAKECITYBANK.COM