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Lender record

Lake City Bank

The real lending record — every figure from funded deals. HQ: 202 E Center St, Warsaw, IN. 58 branches.

Lake City Bank banner

94

Recent deals (FY20+)

$300K

Typical deal

6 days

Approval → funding

0%

Failure rate (FY20–23)

Where Lake City Bank lends

Deals Lake City Bank funded — list all 94 as text

Deal profile

Most Lake City Bank deals land between $119K and $581K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Fitness and Recreational Sports Centers (6)
  2. 2.Limited-Service Restaurants (4)
  3. 3.Plumbing, Heating, and Air-Conditioning Contractors (4)
  4. 4.Other Personal Care Services (4)
  5. 5.All Other Support Services (4)
  6. 6.Lessors of Nonresidential Buildings (except Miniwarehouses) (4)
  7. 7.Precision Turned Product Manufacturing (3)
  8. 8.Residential Remodelers (3)

Most active states

  1. 1.Indiana (87 deals)
  2. 2.Michigan (4 deals)
  3. 3.Ohio (2 deals)
  4. 4.Florida (1 deals)

Franchises they finance most

Pure Barre

4 deals

Polaris - Dealer Agreement

3 deals

Primrose Schools

2 deals

Jimmy John's

2 deals

Ben's Soft Pretzels

1 deals

Can Lake City Bank fund you? The bank behind the loans

Total assets

$7.1B

▲ 1.3% vs prior quarter

Deposits on hand

$6.2B

▲ 3.7% vs prior quarter

Loans outstanding

$5.4B

▲ 1.8% vs prior quarter

Net income (latest qtr)

$28.7M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Lake City Bank more SBA-focused than 7% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.63% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Lake City Bank branch (58)

Lake City BankMain office202 E Center StWarsaw, IN 46580 · since 1872

Nappanee Branch202 W Market StNappanee, IN 46550 · since 1882

Ligonier Downtown Branch222 S Cavin StLigonier, IN 46767 · since 1928

Argos Branch100 N Michigan StArgos, IN 46501 · since 1934

Medaryville Branch205 E Main StMedaryville, IN 47957 · since 1957

Winona Lake Branch99 Chestnut AveWinona Lake, IN 46590 · since 1965

Silver Lake Branch102 E Main StSilver Lake, IN 46982 · since 1966

Drive-In Branch220 E Center StWarsaw, IN 46580 · since 1970 · limited service

West Lake Branch1221 W Lake StWarsaw, IN 46580 · since 1972

Lagrange Branch901 S Detroit StLagrange, IN 46761 · since 1974

North Webster Branch644 N Main StNorth Webster, IN 46555 · since 1974

Ligonier South Branch1470 Lincolnway SLigonier, IN 46767 · since 1975

Bremen Branch1600 State Road 331Bremen, IN 46506 · since 1978

Syracuse Branch502 S Huntington StSyracuse, IN 46567 · since 1982

Mentone Branch202 E Main StMentone, IN 46539 · since 1984

Milford Branch202 S Higbee StMilford, IN 46542 · since 1984

Pierceton Branch108 S First StPierceton, IN 46562 · since 1984

Huntington Branch1501 N Jefferson StHuntington, IN 46750 · since 1986

Columbia City Branch601 Country Side DrColumbia City, IN 46725 · since 1986

Warsaw East Branch3601 Commerce DrWarsaw, IN 46580 · since 1990

Akron Branch114 W Rochester StAkron, IN 46910 · since 1990

Goshen Branch2513 S Main StGoshen, IN 46526 · since 1992

Elkhart Branch864 E Beardsley AveElkhart, IN 46514 · since 1993

Elkhart East Branch22050 State Road 120Elkhart, IN 46516 · since 1994

Shipshewana Branch895 N Van Buren StShipshewana, IN 46565 · since 1994

Middlebury Branch712 Wayne StMiddlebury, IN 46540 · since 1995

Concord Goshen Branch4202 Elkhart RdGoshen, IN 46526 · since 1995

Rochester Branch507 E 9th StRochester, IN 46975 · since 1995

Kendallville Branch631 Professional WayKendallville, IN 46755 · since 1996

Elkhart Jimtown Branch3618 S Nappanee StElkhart, IN 46517 · since 1996

Elkhart Northwest Branch1206 N Nappanee StElkhart, IN 46514 · since 1997

Granger Branch12830 State Rd 23Granger, IN 46530 · since 1997

Direct Banking Center- Www.Lakecitybank.ComWww.Lakecitybank.ComWarsaw, IN 46581 · since 1997 · limited service

Mishawaka Branch5015 N Main StMishawaka, IN 46545 · since 1997

Plymouth Branch826 E Jefferson StPlymouth, IN 46563 · since 1998

Fort Wayne North Branch302 E Dupont RdFort Wayne, IN 46825 · since 1999

Lcb Investments Limited BranchCedar House, 41 Cedar AvenueHamilton, 00000 · since 1999 · limited service

Grace Village Branch1324 Wooster RdWinona Lake, IN 46590 · since 1999

Fort Wayne Southwest Branch10429 Illinois RoadFort Wayne, IN 46804 · since 2000

South Bend Northwest Branch21113 Cleveland RdSouth Bend, IN 46628 · since 2001

Fort Wayne Northeast Branch10411 Maysville RdFort Wayne, IN 46835 · since 2001

Auburn Branch1220 E 7th StAuburn, IN 46706 · since 2002

Warsaw North Branch420 Chevy WayWarsaw, IN 46582 · since 2003

Fort Wayne Jefferson Branch6851 W Jefferson BlvdFort Wayne, IN 46804 · since 2003

Indianapolis North Branch100 W 96th StIndianapolis, IN 46260 · since 2011

South Bend Downtown Branch101 N Michigan StSouth Bend, IN 46601 · since 2012

Fishers Branch13104 Fishers Makretplace DrFishers, IN 46038 · since 2014

Goshen Downtown Branch119 S 3rd StGoshen, IN 46526 · since 2014

Indianapolis Clearwater Branch3805 E 82nd StIndianapolis, IN 46240 · since 2014

Indianapolis Michgan Road Branch9640 N Michigan RdCarmel, IN 46032 · since 2015

Fort Wayne Downtown Branch818 S Harrison StFort Wayne, IN 46802 · since 2016

Greenwood Branch705 S State Road 135Greenwood, IN 46143 · since 2017

Indianapolis Downtown Branch101 W Ohio StIndianapolis, IN 46204 · since 2019

Elkhart High School Branch2608 California RdElkhart, IN 46514 · since 2021

Elkhart River District Branch240 E Jackson BlvdElkhart, IN 46516 · since 2022

16 Tech Branch1220 Waterway Blvd, Suite #a140Indianapolis, IN 46202 · since 2023

Carmel Branch1361 S Rangeline RdCarmel, IN 46032 · since 2024

Wakefield Branch170 Jersey StWestfield, IN 46074 · since 2025

Scroll for all 58 branches · Branch data: FDIC BankFind.

Recent deals

  • Space Barre 3, LLC in Bloomington, IN — $226K (2026) · purchase · Fitness and Recreational Sports Centers
  • The Salty Veteran LLC in Cicero, IN — $115K (2026) · Mobile Food Services
  • 148 LLC in Greenwood, IN — $100K (2026) · Offices of Physical, Occupational and Speech Therapists, and
  • Dok Champa LLC in Fort Wayne, IN — $411K (2025) · Limited-Service Restaurants
  • Achates LLC in Brownsburg, IN — $198K (2025) · Precision Turned Product Manufacturing
  • Coco + Ash, LLC in Fort Wayne, IN — $70K (2025) · Beauty Salons
  • Multi-family Roofing LLC in Indianapolis, IN — $50K (2025) · Roofing Contractors
  • Achates LLC in Zionsville, IN — $2.0M (2024) · purchase · Precision Turned Product Manufacturing
  • Mastery LLC in Indianapolis, IN — $821K (2024) · purchase · Professional and Management Development Training
  • Eagle Self Storage, LLC in Mooresville, IN — $531K (2024) · Lessors of Miniwarehouses and Self-Storage Units

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Lake City Bank financed

61 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Lake City Bank.

Agent summary

This page summarizes Lake City Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 94 SBA 7(a) loans on record
  • $300K typical deal
  • 18 business-acquisition loans
  • HQ: 202 E Center St, Warsaw, IN
  • 58 FDIC branch locations
  • FDIC total assets $7.1B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/lake-city-bank
API:
https://www.capbench.com/api/public/lenders/lake-city-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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