EX-21 4 lkfn-20201231xex21d0.htm EXHIBIT 21

Exhibit 21.0

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Subsidiaries

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1. Lake City Bank, Warsaw, Indiana, a banking corporation organized under the laws of the State of Indiana.

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2. LCB Investments II, Inc., a subsidiary of Lake City Bank incorporated in Nevada to manage a portion of the Bank’s investment portfolio.

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3. LCB Funding, Inc., a subsidiary of LCB Investments II, Inc. incorporated under the laws of Maryland to operate as a real estate investment trust.

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4. LCB Risk Management, Inc., a subsidiary of Lakeland Financial Corporation incorporated in Nevada to operate as a captive insurance company.