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Lafayette State Bank
Mayo, FL · FDIC Certificate #16396 · Chartered 04/0
Total assets
$252.19M
Total deposits
$228.99M
Total equity
$20.54M
Net loans
$165.53M
Branches (offices)
4
Net income (YTD)
$1.41M
Rank: #2,704 of 4,213 U.S. banks by assets · #65 of 81 in Florida. Assets changed 3.5% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 14.15% |
| Net interest margin (YTD) | 5.35% |
| Equity to assets | 8.14% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | -0.17% |
| Loans to deposits | 72.3% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $137.18M | 82.9% | |
| Commercial & industrial | $17.47M | 10.6% | |
| Consumer / individual | $10.10M | 6.1% | |
| Construction & development | $17.79M | 10.7% | |
| Agricultural | $4.77M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.10M | $167.98M | $448.00K | $8.28M |
| Jun 2023 | $201.28M | $185.58M | $469.00K | $9.12M |
| Jun 2024 | $223.93M | $207.69M | $1.15M | $13.29M |
| Jun 2025 | $243.73M | $225.60M | $1.26M | $16.02M |
| Jun 2026 | $252.19M | $228.99M | $1.41M | $20.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $228.99M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $228.99M.
Similar-sized banks
The Peoples Bank Of Georgia ($252.31M) · Security National Bank Of South Dakota ($251.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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