Lakeland Financial Corp
lakecitybank.comLakeland Financial Corp (LKFN) is a bank holding company that owns Lake City Bank, a full-service commercial bank organized under Indiana law. Revenue is generated through the Bank's lending and deposit operations, with the holding company's principal income being dividends from the Bank. As of December 31, 2025, Lake City Bank operated 55 offices across fifteen counties in Indiana, including 46 offices in Northern Indiana and nine offices in the Indianapolis market in Central Indiana. The Bank was originally organized in 1872 and has operated continuously under Indiana law since that date. Deposits are insured by the FDIC to the maximum extent provided by law. Lakeland Financial itself conducts no independent business activity beyond its ownership of the Bank's outstanding stock.
Products & Services
Full-service commercial banking, including loans, deposits, and related banking services offered through 55 branch offices (as of December 31, 2025).
Revenue Model
Net interest income from lending and deposit-taking activities at Lake City Bank, with the holding company receiving dividends from the Bank as its principal income source.
Customers & Markets
Retail and commercial banking customers across fifteen counties in Indiana, with concentration in Northern Indiana and the Indianapolis market.
Geographic Exposure
Indiana, with 46 offices in Northern Indiana and 9 offices in Central Indiana (Indianapolis market) across fifteen counties, as of December 31, 2025.
Financial Snapshot
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