Lafayette State Bank
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
$252.2MAssets
$169.1MLoans
$229.0MDeposits
$20.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating in a single state (rank 50 of 746).
- Widest gap: equity / assets trails 85% of banks under $1B in assets operating in a single state (rank 635 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |