Lakeland Financial Corporation · NASDAQ:LKFN
Lakeland Financial — Q3 2026 Earnings Presentation
63 slides from Lakeland Financial's earnings presentation, Oct 26, 2026
Slide 1: A Proven History of Shareholder Value Creation
Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd 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 June 30, 2026. (1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 10/2/26; excludes merger targets. (2) Defined as having positive net income before extraordinary items and pr
Slide 5: Strong Capital Structure
Tangible Common Equity 93.0% Allowance for Credit Losses 7.0% $3 6. 39 $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 • $3.7 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
5. 7% 4. 2% 4. 1% 3. 7% 3. 4% 3. 0% 7. 5% 3. 3% 2. 9% 3. 6% 4. 3% 3. 7% 3. 5% 5. 9% 4. 5% 4. 4% 4. 0% 3. 6% 3. 2% 7. 2% 4. 0% 3. 2% 3. 5% 4. 5% 3. 8% 3. 6% 6. 3% 5. 2% 5. 0% 4. 5% 3. 9% 3. 8% 8. 5% 5. 3% 3. 8% 3. 9% 4. 4% 4. 5% 4. 3% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 2014 August 2015 August 2016 Augus
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 8 Basis Points Over the Third Quarter 2025 3.16% 3.25% 3.40% 3.42% 3.50% 3.48% 3.49% 3.49% 3.58% 3.00% 3.50% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 LKFN Quarterly NIM
Slide 15: Net Interest Margin
15 Net Interest Margin Interest Rate Risk Posture Shifts to Asset Sensitive • Quarterly net interest margin expanded by 8 basis points in 2026 compared to 2025 • Loan growth contributing to net interest margin expansion • Deposit repricing lags loan repricing in first move of tightening cycle • Aver
Slide 16: Interest Rate Sensitivity
16 Interest Rate Sensitivity Growth in Variable Rate Loans and Steeper Yield Curve Contribute to Loan Repricing Fixed Rate $1,410,210 29% Prime $1,091,264 22% SOFR $1,796,245 36% FHLB/Other $649,395 13% Commercial Loans $4.9 billion as of September 30, 2026 (000’s) • 87% of loan portfolio consists o
Slide 17: Projected Impact of Rising/Falling Rates
17 Projected Impact of Rising/Falling Rates Asset Sensitivity Increases During the Third Quarter 2026 Graph presents 12 month projected net interest income simulation results as of September 30, 2026 using parallel shocks -8.17% -5.06% -2.37% -1.13% -0.55% 0.52% 1.02% 1.96% 3.83% 5.75% -10.00% -8.00
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 35% of total deposits • Since 2019 the number of checking accounts have grown by: Commercial +26%, 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 $1,817,961 29% Total Public Fund $2,024,628 32% Total Commercial $2,210,358 35% Brokered Deposits $241,849 4% September 30, 2026 Total Deposits - $6.3 billion DDA $1.3 billion DDA % of Total
Slide 20: Checking Account Trends by Deposit Sector
20 Checking Accounting Trends by Deposit Sector Number of Commercial Accounts Grow by 26% since December 2019 $1 ,1 05 ,2 67 $2 ,1 05 ,4 11 $2 ,1 29 ,9 52 $2 ,0 27 ,1 96 $2 ,0 05 ,9 37 $6 58 ,4 51 $9 37 ,4 58 $9 71 ,8 52 $9 75 ,1 56 $9 70 ,8 34 $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: Business Development Program Momentum
23 Business Development Program Momentum • The core foundation of future revenue growth • Enhanced focus on the in-person calling program will drive market share growth strategies • 4,488 sales calls in the third quarter, an increase of 2% over 2025 • Prospect Calls are critical- 2,111 prospect call
Slide 24: Credit Process
24 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 25: Lake City Bank Culture
25 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 26: Mature Market Deposit Performance
26 Mature1 Market Deposit Performance Organic Growth 2016 – 2026 $2,774 $2,326 $1,502 $545 $482 $383 $379 $234 $100 -$1,764-$2,000 -$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 PN C First M erchants O ld N
Slide 27: Commitment to Technology
27 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 28: Artificial Intelligence Initiatives
28 Artificial Intelligence Initiatives AI Task Force Brings Bank-Wide Focus to Initiatives Operating EfficiencyRisk Management & Fraud Detection Revenue Enhancement Service Agent AutomationBSA/AML SolutionSales Agents Deposit Account Onboarding Agents Dark Web Monitoring Customer Segmentation AI BOT
Slide 29: Channel Utilization Today versus Pre-Pandemic
29 Channel Utilization Today versus Pre-Pandemic Mobile Adoption Significantly Outpacing All Other Delivery Channels Period Change % of Total Total Transactions 2026(1) % of Total Total Transactions 2019(1) Channel Type (13)%13%1,994,35918%2,279,975Branch Transactions (39)%4%682,0457%944,785ATM/ITM
Slide 30: Customer Composition and Digital Adoption
30 Customer Composition and Digital Adoption Digital Adoption Across All Generations Is Strong and Increasing Customer Composition and Digital Adoption Over Three Years 9/30/249/30/259/30/26 Customer Breakdown Generation(1) 2%5%13%5%Gen Alpha (2010 - Current) 69%73%77%16%Gen Z (1996 - 2009) 60%60%61
Slide 31: Financial Performance
Financial Performance Qeake City Bank
Slide 32: Income Performance Metrics
32 Income Performance Metrics LKFN Performance Exceeds National Peers and Contributes to Strong Capital Levels 1.56% 1.62% 1.45% 1.40% 1.50% 1.57% 14.19% 17.40% 15.93% 14.12% 14.40% 14.59% 14.27% 17.52% 16.03% 14.20% 14.47% 14.67% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% 18.00% 20.00% 22.00% 0.
Slide 33: Net Income and EPS
33 Net Income and EPS Year-to-Date Net Income Improves by 14% as of September 30, 2026 $95,733 $103,817 $93,767 $93,478 $103,361 $73,455 $83,775 $3.74 $4.04 $3.65 $3.63 $4.01 $2.85 $3.31 $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
Slide 34: Pretax Pre-Provision Earnings
34 Pretax Pre-Provision Earnings Pretax Pre-Provision Earnings Improves by 7% in 2026 $118,521 $134,539 $116,183 $128,439 $137,383 $101,032 $107,845 1.93% 2.09% 1.80% 1.93% 2.00% 1.97% 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,
Slide 35: Average Loans
35 Average Loans Average YTD Loan Growth of $313 million or 6% 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 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 $9 49 $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
Slide 37: Loan Portfolio Breakdown
37 Loan Portfolio Breakdown C&I Drives Lending Business Commercial & Industrial $1,705,461 30% Commercial RE - Owner Occupied $772,098 14% Commercial RE - Nonowner Occupied $992,570 18% Commercial RE - Multifamily $598,456 11% Commercial RE - Construction $409,682 7% Agri-business - Agriculture $348
Slide 38: Top 10 Industry Concentrations
Multifamily Housing $813,433 14% Agriculture $410,777 8% Industrial CRE $171,601 3% RV & Marine Industry $229,976 4% Hotels $186,745 3% Automobile Dealers $134,034 2% Commercial Office Real Estate $117,362 2% Restaurants $105,535 2% Lessor of Residential Buildings & Dwellings $102,164 2% Senior Livi
Slide 39: Average Deposits
$5,357,284 $5,717,358 $5,604,228 $5,836,025 $6,039,821 $6,236,470 99% 100% 97% 99% 99% 99% 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 Repricing Lag Loan Repricing with Federal Funds Rate Hike Total Retail $1,817,961 29% Total Public Fund $2,024,628 32% Total Commercial $2,210,658 35% Brokered Deposits $241,849 4% September 30, 2026 Total Deposits - $6.3 billion (000’s) 0.00% 1.00% 2.00% 3.00% 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 $163,824 $175,795 3.07% 3.40% 3.31% 3.18% 3.45% 3.44% 3.52% 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: 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. 32 % 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. 12 % 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 High Single Digit Growth $44,720 $41,862 $49,858 $56,844 $47,971 $35,368 $37,779 20% 17% 20% 22% 18% 18% 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
Slide 45: Total Revenue
45 2026 YOY Increase 7% Total Revenue Revenue Benefits from Growth in Net Interest Income and Noninterest Income $222,808 $244,749 $246,893 $253,523 $268,988 $199,192 $213,574 $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 $98,160 $105,729 $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 8% 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 $1.50 $1.56 1.70% 2.19% 2.82% 2.79% 3.51% 3.12% 3.62% 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 9/30/26 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 2,632.12% 833
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 Qeake City Bank
Slide 52: Lake City Bank Capital Adequacy
52 Lake City Bank Capital Adequacy Capital Strength Contributes to Fortress Balance Sheet Non-GAAP Adjusted Capital Ratios with AOCI and HTM Losses Non-GAAP Excess Capital after AOCI and HTM Non-GAAP AOCI and HTM Losses- after tax Capital Cushion (in 000’s) Well- Capitalized Threshold September 30,
Slide 53: Robust Liquidity Sources
53 Robust Liquidity Sources • Available liquidity is stable at $3.6 billion, an increase from $3.4 billion at June 30, 2026 • Sources of liquidity are varied and represent wholesale funding and brokered deposits • Brokered deposits represent 4% of total deposits down from 5% at June 30, 2026 • Nonco
Slide 54: Liquidity Availability
Additional Loan Collateral Available for PledgeUnused/ AvailableUsed Liquidity Availability(000) Secured/Committed Borrowings: $ --$ 582,758$ 101,300$ 684,058Federal Home Loan Bank-Indianapolis(1) 432,7181,325,814--1,325,814Federal Reserve Bank Discount Window $ 432,718 $ 1,908,572$ 101,300$ 2,009,8
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 Sep-26 Checking and MMA CDs (000) $2,024,628 55 Public Fund Deposit Trends 84% 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 20 Other States (1) All other counties individually represent less than 2% of total Allen 14% Elkhart 14% St. Joseph 9% Kosciusko 8% Hamilton 11% Marion 15% Marshall 4% 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 $423 million Expected Over the Next Four Years 16 ,3 16 16 ,0 95 15 ,3 47 20 ,5 98 14 ,8 84 19 ,2 40 22 ,3 06 25 ,5 11 21 ,2 44 19 ,7 10 19 ,8 65 22 ,7 49 14 ,1 31 18 ,5 30 17 ,5 37 15 ,3 22 7, 75 4 9, 29 7 7, 60 4 9, 10 8 7, 42 6 8, 83 5 7, 2
Slide 59: Investment Portfolio Analysis
Investment Portfolio Analysis Portfolio Shrinking as a Percentage of Total Assets 59 12/31/20259/30/2026 % of Total Market Value Weighted Maturity % of Total Market Value Weighted Maturity 8%90,1115.217%75,7095.77US Govt REMICS 31%364,0526.1732%335,4045.80US Govt Pools 10%115,6907.7010%103,9766.91US
Slide 60: Larger Market Organic Expansion
60 Larger Market Organic Expansion Organic Growth # of offices LCB Deposit Market Share** LCB EntryPopulation*Primary CityCounty State Rank 1266%187280,892WarsawKosciusko 22. 1124%1990208,774ElkhartElkhart6. 48%1997272,861South BendSt. Joseph5. 516%1999402,329Fort WayneAllen3. 91%20111,553,494Indian
Slide 61: Branch Expansion Strategy for Growth
61 Branch Expansion Strategy for Growth Indianapolis Deposits Total $692 Million at June 30, 2026 and Improved by $86 Million, or 14% Compared to 2025 Lake City Bank Offices Lake City Bank 2026 Deposit Market Share Lake City Bank 2026 Deposits (000’s) 2026 Deposits in Market (000’s) 25- year project
Slide 62: Mature Market Strength and Growth
62 Mature Market Strength and Growth Market Share Improves by 96% in Mature Markets Over the Past Decade 2026 # of Offices 20162026 (millions)1 IncreaseShareDepositsShareDeposits 5596.39%14.92%$2,87819.27%$5,6521. Lake City Bank 5175.03%16.08%$3,10018.50%$5,4262. 1st Source 2069.83%11.15%$2,15112.46
Slide 63: Lake City Bank
Qiake City Bank LAKECITYBANK.COM