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We provide support in more ways than one.

At Lake City Bank, people are our foundation. It begins with our strong bank culture filled with a spirit of entrepreneurialism. This foundation extends out to the high touch approach we take with our customers and the more than 500 community causes we support. It’s this dedication to our foundation that has fueled Lake City Bank’s growth for more than 150 years.

Supporting Financial Literacy

Financial Wellness Partner Program

Our decades-long dedication to enhancing financial literacy remains strong, with around 4,560 participants taking part in 304 Financial Wellness classes across our footprint in 2025. This includes Next Gen version of Financial Wellness classes designed for high school students to help them build a foundation of financial literacy. We offer our program at no charge through employers, community groups, and schools. The program is flexible, so class content and timing fit each audience’s needs, including in-person and Zoom delivery. We offer six topics ranging from budgeting to using credit to protecting your identity, all led in an interactive style by Lake City Bank employees. Participants leave class with actionable knowledge they can use right away.

Junior Achievement

Across our footprint, Lake City Bank employees devote hundreds of hours each year to teaching young people about financial literacy, business and entrepreneurship with Junior Achievement. In 2025, approximately 6,200 children participated in Junior Achievement classes led by Lake City Bank volunteers. Classes included Biz Town and Finance Park; JA Our Cities, Our Region, Our Nation, Ourselves, Our Families; Economics for Success; Personal Finance; and more.

In 2025 Lake City Bank employees again volunteered with JA’s 3DE program; a learning experience designed to be authentically connected to the world beyond the classroom, first launched in Fort Wayne Community Schools in 2022. In this program, students are grouped together into cohorts, and work through case studies built around real-world, real-time business challenges from regional and national companies. As part of the program, students had the opportunity to work with Lake City Bank employees to develop a marketing plan for one of Lake City Bank’s accounts designed for youth.

Lake City Bank also participated in Junior Achievement’s Career Ignite event in 2025, connecting with students to explore future pathways and plan their next steps toward career goals.

Reality Store

Since 2010, local students have experienced the economics of real life through our Reality Stores — brought to students from third grade through high school by Lake City Bank volunteers. We assign students a personal situation — married or single with a job/career, such as a registered nurse with an annual income of $76,000. The students draw a card with the number of children they will have and they select living choices and the expenditures that go along with them at different stations staffed by bank volunteers. For example, they have to choose between renting or buying a home, and for how much; what kind of car they will drive and if they can afford one; and even what will happen if they’re struck by an unexpected event, like a house fire or other calamity. Students learn how much it costs to run a household very quickly. Based on the family profile they’re assigned, they can see immediately how education and/or different jobs affect income and lifestyle. Volunteers report seeing students’ “Aha” moments as they realize that choices made early on, like education and career/job choices, have a direct effect on how they can live. Schools appreciate Reality Stores too. The learning is experiential, and the Lake City Bank team provides everything needed for the turnkey event.

In 2024, we held Reality Stores at Harrison Elementary, Riley High School, Clay High School, Washington High School, The Excel Center, Lakeview Middle School, and Elkhart High School.

Caring for Our Environment

At Lake City Bank, we are committed to caring for the environment through sustainable practices and reducing our carbon footprint. We strive to make environmentally conscious decisions when it comes to recycling computer equipment and donating unused new equipment to the schools in our community. In addition, we have worked alongside conservation organizations as it demonstrates our commitment to help protect our planet for future generations.

Reducing Paper Adds Up

Naturally, banking involves paper — statements, notices, receipts, and more. But producing and disposing of paper uses significant resources, including water, trees, and electricity. That’s why we continue to invest in solutions that reduce paper waste without compromising service.

Lake City Bank Supports the Watershed Foundation

The Watershed Foundation (TWF) is an environmental nonprofit organization that protects and improves water quality in the Upper Tippecanoe River Watershed by stopping pollution at its source before it ever reaches the water.

Innovation

It’s business as usual for us.

At Lake City Bank, our relationship with you comes first. That means we stay a step ahead on the technology that you expect from your bank so that you can connect with us when, where and how you want. This dedication to innovation and technology is something you might expect from a larger bank, but it’s business as usual for us. You can learn more about our innovation strategy below.

Innovation Strategy

We say innovation is business as usual for us because as a company we operate from a mindset of customer-focused innovation. We keep our relationships with you at the forefront while we pursue the new products and services that will make your life easier. Of course, we also make sure we aren’t sacrificing the security of your data in the process and provide you with tips for protecting yourself.

Learn more about each of these areas and how they shape our innovation strategy.

Products

Wish you could find a bank that wants a relationship with you but recognizes you want innovative and competitive technology too? Search no more — we’re right here.

That’s right, we’re a community bank, which means we’re committed to building strong, local relationships. But innovation and access are just as important to us, so at Lake City Bank you’ll find products and services you would expect from a much larger bank, for both consumers and businesses.

For businesses, we offer a robust treasury management program, but that’s only the tip of the iceberg. Our certified treasury management team members are committed to getting to know you and your business so they can recommend the solutions that will work best for you. Those same experts stay with you through implementation and provide ongoing support, so every experience with us reflects our understanding of your business and your needs.

For consumers, we don’t pigeonhole you. We let you be you, because an appetite for technology based banking can mix quite easily with visiting our branches, writing paper checks and telephone banking. We listen to your feedback, provide you with the solutions you care about and let you decide what combination works for you.

Security

As our collection of technology-focused solutions continues to grow and hacking methods get more sophisticated, we know our efforts to keep our customers’ data safe have to grow accordingly.

We start with a highly trained and certified team completely dedicated to security. Our security experts are connected in the industry and stay up to date on the latest solutions for protecting you. We implement solutions and run them behind the scenes to keep your data out of the wrong hands while minimizing the impact on your digital experience.

Also, we realize that your security is a team effort between us and you. Because of that, we are committed to educating you about how to be as secure as possible while using technology. We post security tips and resources on our social media accounts regularly, and lots of information is also available here on our website in the Online Security section.

If you have questions about security, feel free to reach out to us. We’re here to help!

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