Lakeland Financial Corporation operates as the holding company for Lake City Bank that provides various commercial and retail banking, wealth advisory, and investment management services in Indiana. The company accepts checking accounts, savings accounts, time deposits, certificates of deposit, money market accounts, and health savings accounts. It provides commercial, real estate, and agricultural loans; direct and indirect consumer loans; and commercial and residential real estate mortgage loans, as well as home equity lines of credit and retail installment loans, including indirect automotive financing. In addition, the company offers retail and merchant credit card services, corporate treasury management services, retirement services, bond administration, safe deposit box services, and trust and brokerage services, as well as involves in the sale of securities under agreements to repurchase. Further, it provides retail brokerage services, including various financial and investment products, such as annuities and life insurance; and Internet business banking and on-line treasury management services. As of October 25, 2011, it had 43 branches in Kosciusko, Elkhart, Allen, St. Joseph, DeKalb, Fulton, Huntington, LaGrange, Marshall, Noble, Pulaski, and Whitley counties of northern Indiana, as well as a loan production office in Indianapolis, Indiana. The company was founded in 1872 and is headquartered in Warsaw, Indiana.