Lake City Bank is pleased to welcome Breanne N. Yoder as Retail Banking Officer of the Shipshewana branch.

In this position, Yoder leads sales and service efforts in the branch, manages the daily operations of the office and supports office staff in their efforts to provide quality service and build customer relationships. She has five years of experience in financial services

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).

Lake City Bank is pleased to welcome Ike Shipman as Vice President, Wealth Advisor.

In this position, Shipman works with clients in the bank’s South Bend and Elkhart Regions, providing advice and access to the bank’s wealth management services including financial planning, trust administration, investment management and estate planning.

“We’re thrilled to welcome Ike to our Wealth Advisory Group,” said Carrie A. Gutman, Senior Vice President and Chief Wealth Advisory Officer. “Ike has a diverse background from working in the non-profit sector and brings a compassionate approach to client relationship management. The addition to our team expands our capacity to grow relationships in the Michiana region and continue providing exceptional service to our clients to help them manage their assets with personalized wealth strategies.”

Shipman earned a bachelor’s degree from the University of Texas and a master’s degree from Arizona State University. He is a board member of River Park Business Association and All-American Investments in South Bend. He also volunteers with Michiana Down Syndrome, Girls on the Run Michiana, Rite of Passage and State of Indiana’s Child Welfare and Juvenile Justice Services.

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).

Lake City Bank is pleased to announce that Marlee J. Richter has been promoted to Assistant Vice President, Agribusiness Portfolio Management Officer.

In this position, Richter assists agribusiness banking officers with prospect and customer communication, as well as handling various aspects of loan monitoring and loan documentation for clients in Kosciusko County and surrounding areas. She has been with the bank for five years.

Richter earned a bachelor’s degree in finance from Purdue University. She volunteers with Habitat for Humanity, “Care”oke For a Cause, and Life Church Huntington.

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).

Lake City Bank is pleased to announce that David M. Findlay, Chairman and Chief Executive Officer, has been named Chairman of the Indiana Bankers Association Board of Directors for 2026.

“The Indiana Bankers Association is one of the premier state banking associations in the country thanks to an engaged membership and an exceptional leadership team at the IBA. The IBA has a proven track record of proactively working with Indiana banks to ensure that we remain competitive and relevant in a rapidly evolving financial services world,” commented Findlay.

Findlay serves as the Chairman of the boards of directors and Chief Executive Officer of Lakeland Financial and Lake City Bank. He also served as President and Chief Executive Officer from 2014-2023, President and Chief Financial Officer from 2010-2014 and Chief Financial Officer from 2000-2010.

Findlay is a member of the Indiana Bankers Association class of 2019 Leaders in Banking Excellence, the Association’s highest honor, and most recently served as Vice Chair of the Association’s board in 2025.

Beyond his involvement with the Indiana Bankers Association, Findlay is active as a board member with the Indiana Chamber of Commerce, Central Indiana Corporate Partnership, OrthoWorx, AcceLINX, Northeast Indiana Regional Partnership, Parkview Health, Centerfield Capital Partners and the Trine University Board of Trustees.

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).

Why do you value working at Lake City Bank?
I value the accessibility of our leadership. On any given day, I might be in conversation with our CEO or at a fun corporate event with our president. Events like these aren’t rare; they reflect a culture that values engaged, approachable leaders. Lake City Bank’s open, connected culture is one I can help shape.

How does Lake City Bank exemplify its core value of inclusivity?
The bank is a “rising tide lifts all boats” kind of place—as it grows, employees grow too. Ask five people how they got to their position at the bank, and you’ll hear five different stories. The traditional banker role reflects the people who fill it, demonstrating the bank’s commitment to inclusivity. Our team’s diversity positively impacts our customers and our community.

What have Lake City Bank’s diversity and inclusion efforts taught you so far?
Lake City Bank’s diversity and inclusion efforts have helped me understand the complex and imperfect history of the banking industry and how that legacy impacts communities today. Some current regulations exist because of banking’s history, reminding us that how we serve others matters. Read more employee experiences here.

Key Takeaways

• • • • • • • • • Everyday activities are opportunities to teach kids about money.
                  
                • Start young with simple lessons.
                  
                • Use digital tools to manage money and build financial skills.

    ---

     

  • Teaching kids how to handle money is a lifelong gift. Real-life situations—shopping, allowances, or saving for something special—make it easy to show them how money works.
    

    Build Understanding

    Make sure kids know what money is and where it comes from. Parents earn it by working, and kids can earn or receive it through allowances, chores, or gifts. Explain that money is exchanged for things we need and want, like food, housing, or toys.

    Start Early

    Introduce simple money lessons early:

    • Teach coin and bill values when giving cash or allowances
    • Encourage kids to split money into spend, save, and give categories

    Practice Patience

    Saving for something special teaches patience and the satisfaction of buying on their own. Along the way, kids can comparison shop, weigh brand vs. value, or even decide the purchase isn’t worth it.

    Use Digital Tools

    Digital tools can make learning about money more engaging. FamZoo,¹ available in Lake City Bank Digital, combines a prepaid debit card with tools for managing, monitoring and learning about finances. Parents can:

    • Automate deposits for allowances or chores
    • Pay interest on savings²
    • Monitor activity with alerts and spending limits

     Spending Safely

    With a FamZoo prepaid debit card, kids can spend safely while parents stay in control. Features include:

    • Direct deposit and instant card-to-card transfers
    • No overdraft or insufficient funds fees
    • Secure EMV chip technology
    • Support for Apple Pay®³ and other digital wallets
    • MasterCard® Zero Liability Protection⁴
    • FDIC insurance

    For more ways to build financial literacy at every age, read our blog article Teach Kids Smart Money Habits with Real-life Lessons. You can also contact our One Call Center at (888) 522-2265 or visit your local Lake City Bank branch for resources.

     

     

     

    ¹Terms and conditions apply to using FamZoo. Please read FamZoo’s terms of use agreement here. Please read FamZoo’s cardholder agreement here.

    ¹Fees apply to FamZoo. Find more information here. https://www.lakecitybank.com/digital/famzoo/

    ²FamZoo debit cards do not earn interest on any balance.

    ³Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

    ⁴Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

     

Why do you value working at Lake City Bank?
I genuinely enjoy working here because of the people. There’s a strong, authentic focus on helping individuals grow and thrive—both professionally and personally. Being part of an organization that prioritizes development and creates an environment where people feel valued and find meaning in their work is incredibly fulfilling.

How does Lake City Bank exemplify its core value of inclusivity?
Lake City Bank believes inclusivity means more than representation—it means belonging, opportunity, and voice. From day one, every team member is welcomed into a culture where they are seen, heard, and supported. Whether it’s learning directly from executive leaders, accessing meaningful development opportunities, or knowing their voice shapes our future, Lake City Bank employees know they belong here.

What have Lake City Bank’s diversity and inclusion efforts taught you so far?
Lake City Bank’s Inclusivity Initiatives have taught me to listen more deeply and to let go of assumptions. I’ve come to realize that every person brings a unique lens shaped by their experiences, and when we truly listen, we uncover insights we might have missed. There is real strength in differing views—we are stronger together. Read more employee experiences here.

Lake City Bank is pleased to welcome Lynn C. Baker as Vice President, Loan Application Manager.

In this position, Baker leads implementation of new loan products and services as well as manages the Loan Systems Application team. She is also responsible for providing support for loan systems and creating and maintaining data-based reports and files. She has 13 years of experience in financial services.

Baker earned a bachelor’s degree from Purdue University.

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).

Key Takeaways

• • • • • • • • • Gather and reconcile records, then review key financial reports.
                  
                • Set clear goals and block focused time for your review.
                  
                • Compare results to expectations and note major trends.
                  
                • Use your insights to set goals and build next year’s budget.
                  

    ---

  • Year-end is an ideal time to review your business finances. Follow these steps to set yourself up for a strong start in the new year.
    

    Gather Your Records

    Your year-end records accurately show how your company performed, revealing areas where the business excels and those that need improvement. Start by pulling together financial records, including up-to-date and reconciled bank account, accounts payable and accounts receivable records.

    Next, pull reports that will help you analyze how your business fared this year. Use your accounting software to produce reports including:

    • Income statement – breaks down income and expenses to show profit
    • Balance sheet – lists assets, liabilities, and equity
    • Cash flow statement – shows cash moving in and out over the year

    Set Aside Time and Set Expectations

    Decide what you want to achieve with your review. Consider questions like:

    • Did we earn a profit this year? What areas were most successful?
    • Was cash flow sufficient to handle fluctuations?
    • How did actual results compare to budget projections? Were we able to handle unanticipated expenses?
    • Where did we deviate from plans?

    Set aside dedicated time, either in one session or several blocks, to conduct your review without distractions.

    Conduct your review

    Follow your agenda, review the numbers, and bring in a trusted advisor if helpful. Consider the results in the context of decisions made, the broader economy, and local market conditions. Understanding why your business performed as it did will guide future planning.

    What’s Next?

    Now that you have a clear understanding of your company’s financial health, you can set plans for next year and beyond. Start with overall goals, then create a budget based on your analysis. At Lake City Bank, we’re here to help. Drop in to one of our branch offices or call our One Call Center at (888) 522-2265.

     

     

Lake City Bank is pleased to welcome Christine E. Miller as Retail Banking Officer of the Pierceton branch.

In this position, Miller leads sales and service efforts in the branch, manages the daily operations of the office and supports office staff in their efforts to provide quality service and build customer relationships. She has 20 years of experience in financial services, including eight years of previous experience with Lake City Bank.

Miller is a Kosciusko County Chamber of Commerce ambassador and volunteers with Junior Achievement.

Lake City Bank, a $6.9 billion bank headquartered in Warsaw, Indiana, was founded in 1872 and serves Central and Northern Indiana communities with 55 branch offices and a robust digital banking platform. Lake City Bank’s community banking model prioritizes building in-market long-term customer relationships while delivering technology-forward solutions for retail and commercial clients. The bank is the single bank subsidiary of Lakeland Financial Corporation (Nasdaq Global Select/LKFN).