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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.26% | 1.06% | 1.04% | 1.28% | 1.11% | 1.31% | 0.96% | -8 bps | |
| Return on Equity | 17.71% | 19.48% | 16.80% | 16.03% | 18.72% | 14.91% | 16.52% | 11.90% | -413 bps | |
| Net Interest Margin | 4.71% | 4.62% | 4.23% | 4.54% | 4.68% | 4.72% | 4.93% | 4.61% | +6 bps | |
| Efficiency Ratio | 67.87% | 68.67% | 71.57% | 71.78% | 67.22% | 70.57% | 65.98% | 72.83% | +105 bps | |
| Non-Interest Burden | 2.94% | 2.90% | 2.82% | 3.05% | 2.91% | 3.13% | 2.97% | 3.12% | +7 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 | 0.01% | -0.01% | -0.04% | 0.01% | -0.30% | 0.02% | -0.43% | 0.08% | +7 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 | |