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Regulatory profile
Lake City, FL · FDIC certificate #31313 · RSSD 384278
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $4.5B | $3.4B | $1.4B | 1.19% | 11.61% | 3.32% |
| 2026-03-31 | $4.4B | $3.5B | $1.4B | 1.22% | 11.93% | 3.21% |
| 2025-12-31 | $4.3B | $3.2B | $1.4B | 0.58% | 5.86% | 3.14% |
| 2025-09-30 | $4.1B | $3.2B | $1.3B | 1.07% | 10.89% | 3.22% |
| 2025-06-30 | $4.2B | $3.2B | $1.4B | 1.02% | 10.68% | 3.22% |
| 2025-03-31 | $4.0B | $3.2B | $1.2B | 1.07% | 11.12% | 3.16% |
| 2024-12-31 | $3.8B | $3.3B | $1.2B | 0.97% | 11.25% | 3.21% |
| 2024-09-30 | $3.9B | $3.2B | $1.3B | 0.98% | 11.74% | 3.21% |
| 2024-06-30 | $4.2B | $3.5B | $1.4B | 0.91% | 11.28% | 3.16% |
| 2024-03-31 | $3.9B | $3.4B | $1.3B | 0.72% | 8.84% | 3.08% |
| 2023-12-31 | $3.9B | $3.4B | $1.2B | 0.81% | 11.29% | 3.11% |
| 2023-09-30 | $3.7B | $3.3B | $1.1B | 0.90% | 13.03% | 3.06% |
| 2023-06-30 | $3.9B | $3.5B | $1.1B | 0.89% | 13.05% | 2.95% |
| 2023-03-31 | $3.9B | $3.6B | $1.1B | 0.84% | 12.61% | 2.94% |
| 2022-12-31 | $3.8B | $3.4B | $1.0B | 1.18% | 14.66% | 3.12% |
| 2022-09-30 | $3.6B | $3.2B | $1.0B | 1.05% | 12.44% | 3.05% |
| 2022-06-30 | $3.5B | $3.1B | $1.0B | 1.03% | 11.17% | 2.90% |
| 2022-03-31 | $3.5B | $3.1B | $1.0B | 0.74% | 7.41% | 2.58% |
| 2021-12-31 | $3.4B | $3.0B | $1.1B | 1.48% | 12.85% | 2.91% |
| 2021-09-30 | $3.2B | $2.8B | $1.2B | 1.69% | 14.57% | 3.03% |
| 2021-06-30 | $3.2B | $2.7B | $1.3B | 1.82% | 15.86% | 3.23% |
| 2021-03-31 | $3.3B | $2.8B | $1.5B | 2.36% | 20.84% | 3.16% |
| 2020-12-31 | $3.1B | $2.6B | $1.7B | 2.40% | 21.47% | 3.47% |
| 2020-09-30 | $3.1B | $2.4B | $1.8B | 2.55% | 23.10% | 3.54% |
| 2020-06-30 | $2.9B | $2.3B | $1.8B | 1.96% | 17.65% | 3.83% |
| 2020-03-31 | $2.5B | $1.9B | $1.3B | 1.28% | 11.18% | 3.44% |
| 2019-12-31 | $2.2B | $1.8B | $1.2B | 1.34% | 11.04% | 4.12% |
| 2019-09-30 | $2.2B | $1.6B | $1.3B | 1.38% | 11.42% | 4.17% |
| 2019-06-30 | $2.1B | $1.6B | $1.2B | 1.34% | 11.04% | 4.21% |
| 2019-03-31 | $1.9B | $1.6B | $1.1B | 1.02% | 8.35% | 4.46% |
| 2018-12-31 | $1.8B | $1.6B | $1.1B | 1.47% | 13.22% | 4.35% |
| 2018-09-30 | $1.8B | $1.5B | $1.1B | 1.60% | 14.67% | 4.15% |
| 2018-06-30 | $1.9B | $1.6B | $1.1B | 1.57% | 13.81% | 4.04% |
| 2018-03-31 | $1.4B | $1.2B | $0.6B | 1.56% | 11.92% | 3.61% |
| 2017-12-31 | $1.4B | $1.1B | $0.7B | 1.24% | 10.01% | 3.73% |
| 2017-09-30 | $1.5B | $1.2B | $0.7B | 1.02% | 8.39% | 3.68% |
| 2017-06-30 | $1.5B | $1.2B | $0.7B | 1.05% | 8.54% | 3.60% |
| 2017-03-31 | $1.3B | $1.1B | $0.6B | 0.95% | 7.39% | 3.49% |
| 2016-12-31 | $1.2B | $0.9B | $0.6B | 1.24% | 9.40% | 3.84% |
| 2016-09-30 | $1.2B | $1.0B | $0.7B | 1.29% | 9.81% | 3.73% |
| 2016-06-30 | $1.3B | $0.9B | $0.7B | 1.12% | 8.49% | 3.69% |
| 2016-03-31 | $1.2B | $0.9B | $0.7B | 0.90% | 6.57% | 3.67% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 3839201 · 2011-07-21 to current
Unmatched RSSD entityRSSD 3839201 · 2007-12-10 to 2011-07-20
2018-04-03RSSD 2855914 → 384278 · code 1
2013-10-31RSSD 713038 → 384278 · code 50
2013-04-20RSSD 3389582 → 384278 · code 50
2010-05-08RSSD 337733 → 384278 · code 50
2009-10-24RSSD 2809935 → 384278 · code 50
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.