Community Reinvestment Act (CRA) Public File
In accordance with the Community Reinvestment Act, banks are required to maintain, and upon request, make available a CRA Public File made up of the following content. The file is updated annually as of April 1st each year, except for Public Comment Letters and Branch actions, which are updated quarterly. Please email questions to CRA@lakecitybank.com.
Facility Based Assessment Areas
You can access maps of each Lake City Bank assessment area and a census tract listing below.
Elkhart MSA (PDF)
Fort Wayne MSA (PDF)
Indianapolis MSA (PDF)
Non-MSA (PDF)
South Bend MSA (PDF)
Lake City Bank Census Tract Listing (PDF)
Public Comment Letters
All written comments received from the public for the current year (updated on a quarterly basis) and each of the prior two calendar years are available below.
As of the end of the most recent quarter, Lake City Bank has not received any comments, letters or complaints related to the bank’s performance in helping to meet community credit needs for the current year.
CRA Disclosures
Lake City Bank’s CRA Disclosure Statements may be obtained on the FFIEC’s website at ffiec.gov/craadweb/DisRptMain.aspx by entering Lake City Bank’s respondent ID (874845) in the Respondent ID search box. You can access the two most recent CRA Disclosure Statements below.
2022 CRA Disclosure Statement (PDF)
2021 CRA Disclosure Statement (PDF)
HMDA Disclosures
Lake City Bank’s HMDA Disclosure Statements may be obtained on the CFPB’s website at consumerfinance.gov/hmda by entering Lake City Bank in the search box.
The bank’s 2022 data is now available as of March 20, 2023. Additional years of data can be obtained from the CFPB website including data from 2020 and 2021.
Lake City Bank CRA Performance Evaluation
