IN lenders / Community Bank
Lake City Bank
Community Bank · Warsaw, IN · Lakeland Financial Corp
- Total assets
- $7.1B
- CRE loan book
- $2.8B
- QoQ CRE growth
- 2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.05% as of Q1 2026 — TX bank median 4.87% (1.18pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.05% | 6.15% |
| Q4 2025 | 6.28% | 6.36% |
| Q3 2025 | 6.40% | 6.55% |
| Q2 2025 | 6.31% | 6.48% |
| Q1 2025 | 6.18% | 6.34% |
| Q4 2024 | 6.38% | 6.55% |
| Q3 2024 | 6.58% | 6.82% |
| Q2 2024 | 6.43% | 6.75% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $2.8B | $521.8M | $462.5M | 215% | $3.8M |
| Q4 2025 | $2.7B | $514.2M | $437.9M | 208% | $3.9M |
| Q3 2025 | $2.7B | $591.6M | $412.7M | 210% | $1.7M |
| Q2 2025 | $2.7B | $568.1M | $477.5M | 219% | $1.8M |
| Q1 2025 | $2.6B | $638.5M | $339.7M | 214% | $1.8M |
| Q4 2024 | $2.6B | $582.7M | $344.6M | 213% | $1.8M |
| Q3 2024 | $2.6B | $741.3M | $242.9M | 210% | $1.8M |
| Q2 2024 | $2.5B | $669.2M | $252.3M | 205% | $2.0M |
Signals
Recent news
- Lake City Bank, First Hawaiian Bank, First Financial Bankshares, First Financial Bancorp, and Customers Bancorp Stocks Trade Up, What You Need To Know - The Globe and Mail — Coverage of Lake City Bank related to commercial real estate and lending reported by theglobeandmail.com.Jul 16, 2026
- Winners And Losers Of Q1: Lake City Bank (NASDAQ:LKFN) Vs The Rest Of The Regional Banks Stocks - Yahoo Finance — Coverage of Lake City Bank related to commercial real estate and lending reported by finance.yahoo.com.May 19, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Hingham Institution for SavingsCommunity Bank · Hingham · $3.0B CRE book
- Midland States BankCommunity Bank · Effingham · $2.5B CRE book
- CNB BankCommunity Bank · Clearfield · $3.1B CRE book
- Horizon BankCommunity Bank · Michigan City · $2.4B CRE book
- California Bank of Commerce, National AssociationCommunity Bank · San Diego · $2.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.