Bank of Lafayette, The
La Fayette, GA · Cert 9245 · Peer group: banks under $1B in assets (n=581-629) · Lafayette Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$446.8MAssets
$176.8MLoans
$396.2MDeposits
$18.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets (rank 28 of 629).
- Widest gap: equity / assets trails 100% of banks under $1B in assets (rank 627 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.94%
Rank 351 of 629
Net Interest Margin
2.32%
Rank 584 of 629
Efficiency Ratio
56.83%
Rank 141 of 629
Equity / Assets
4.06%
Rank 627 of 629
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 78% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.60% | 1.01% | 1.45% | Beats 44% | 351 / 629 | | |
| Return on Equity | 23.08% | 5.38% | 9.30% | 13.28% | Beats 96% | 28 / 629 | | |
| Net Interest Margin | 2.32% | 3.03% | 3.54% | 4.05% | Beats 7% | 584 / 629 | | |
| Efficiency Ratio | 56.83% | 58.35% | 67.79% | 79.08% | Beats 78% | 141 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.09% | 0.46% | 1.20% | Beats 19% | 469 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 260 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 11.24% | 13.84% | 18.77% | Beats 4% | 602 / 629 | | |
| Total Risk-Based Capital Ratio | 9.35% | 11.58% | 14.43% | 19.66% | Beats 4% | 603 / 629 | | |
| Equity / Assets | 4.06% | 9.09% | 10.65% | 13.80% | Beats 0% | 627 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.61% | 67.24% | 80.90% | 93.48% | 8th pctl | 548 / 594 | | |
| Loans / Assets | 39.57% | 53.31% | 67.71% | 78.15% | 14th pctl | 538 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |