Mayo, FL · Cert 16396 · Lafayette Banking Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
55
Profitability
74
Liquidity
86
Efficiency
39
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mayo, FL · Cert 16396 · Lafayette Banking Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Gainesville, FL · 2026 SOD (annual) · 0.4% share · #17 of 20 inst. · $0.0B of $6.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.11% | 1.06% | 1.05% | 1.13% | 1.13% | 1.31% | 1.13% | +8 bps | |
| Return on Equity | 19.10% | 19.44% | 16.80% | 16.45% | 17.17% | 16.50% | 16.52% | 14.15% | -230 bps | |
| Net Interest Margin | 4.35% | 4.31% | 4.23% | 4.35% | 4.42% | 4.43% | 4.93% | 4.78% | +42 bps | |
| Efficiency Ratio | 68.38% | 68.46% | 71.57% | 71.68% | 70.12% | 70.24% | 65.98% | 69.32% | -236 bps | |
| Non-Interest Burden | 2.69% | 2.68% | 2.82% | 2.91% | 2.88% | 2.90% | 2.97% | 3.05% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 5.25% | 9.56% | 8.84% | 13.57% | 6.28% | 2.18% | 3.47% | -537 bps | |
| Loan Growth (YoY) | 0.51% | -1.25% | 2.09% | 2.59% | 9.10% | 14.99% | 9.28% | 13.72% | +1,113 bps | |
| Deposit Growth (YoY) | 3.36% | 6.17% | 7.91% | 8.62% | 12.93% | 4.21% | 0.17% | 1.50% | -712 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.87% | 1.91% | 2.24% | 0.71% | 0.11% | 0.06% | 0.00% | 0.06% | -65 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.11% | -0.04% | -0.02% | -0.11% | -0.07% | -0.43% | -0.16% | -15 bps | |
| Allowance / Loans | 1.84% | 1.90% | 1.90% | 1.94% | 1.93% | 1.89% | 2.17% | 2.11% | +17 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.8x | 2.7x | 18.2x | 33.2x | n/a | 36.7x | +34.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.78% | 8.51% | 8.64% | 8.82% | 9.22% | 9.58% | 9.86% | +122 bps | |
| Total Risk-Based Capital | 13.75% | 14.32% | 14.16% | 14.59% | 14.05% | 9.22% | 15.46% | 15.09% | +50 bps | |
| Equity / Assets | 6.73% | 6.20% | 6.44% | 6.57% | 7.05% | 7.81% | 8.03% | 8.14% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.31% | 66.39% | 66.39% | 65.91% | 68.90% | 73.25% | 72.43% | 73.84% | +794 bps | |
| Liquid Assets / Assets | 11.95% | 16.95% | 16.75% | 15.37% | 11.32% | 6.48% | 7.59% | 6.80% | -858 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 314% | 310% | 309% | n/a | n/a | |
Mayo, FL · Cert 16396 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lafayette Banking Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.11%
Rank 343 of 746
Net Interest Margin
4.78%
Rank 50 of 746
Efficiency Ratio
69.32%
Rank 455 of 746
Equity / Assets
8.14%
Rank 635 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 54% | 343 / 746 | ||
| Return on Equity | 13.68% | 6.74% | 10.51% | 13.63% | Beats 75% | 183 / 746 | ||
| Net Interest Margin | 4.78% | 3.17% | 3.68% | 4.16% | Beats 93% | 50 / 746 | ||
| Efficiency Ratio | 69.32% | 55.74% | 64.58% | 75.47% | Beats 39% | 455 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.42% | 1.07% | Beats 78% | 168 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 505 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.84% | 11.55% | 13.75% | 17.60% | Beats 51% | 369 / 746 | ||
| Total Risk-Based Capital Ratio | 15.09% | 11.71% | 14.33% | 18.43% | Beats 57% | 324 / 746 | ||
| Equity / Assets | 8.14% | 8.90% | 10.51% | 13.06% | Beats 15% | 635 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.84% | 61.31% | 78.27% | 90.78% | 42nd pctl | 433 / 746 | ||
| Loans / Assets | 67.05% | 53.60% | 66.97% | 76.08% | 50th pctl | 370 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||