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The Bank Of Lafayette, Georgia
La Fayette, GA · FDIC Certificate #9245 · Chartered 07/1
Total assets
$446.78M
Total deposits
$396.23M
Total equity
$18.13M
Net loans
$175.71M
Branches (offices)
3
Net income (YTD)
$2.09M
Rank: #1,916 of 4,213 U.S. banks by assets · #44 of 123 in Georgia. Assets changed 9.8% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 23.54% |
| Net interest margin (YTD) | 2.65% |
| Equity to assets | 4.06% |
| Tier 1 leverage ratio | 9.35% |
| Uninsured deposits (share of deposits) | 37.3% |
| Noncurrent loans (share of loans) | 1.44% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 44.3% |
| Real estate loans (share of loans) | 80.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.86M | 80.2% | |
| Commercial & industrial | $12.45M | 7.1% | |
| Consumer / individual | $23.42M | 13.3% | |
| Construction & development | $17.01M | 9.7% | |
| Agricultural | $38.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $388.58M | $377.16M | $1.47M | $8.85M |
| Jun 2023 | $377.12M | $371.81M | $1.69M | $1.61M |
| Jun 2024 | $406.74M | $368.06M | $1.62M | $4.87M |
| Jun 2025 | $407.06M | $369.51M | $2.06M | $12.39M |
| Jun 2026 | $446.78M | $396.23M | $2.09M | $18.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $396.23M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $396.23M.
Similar-sized banks
Bank Of Madison ($448.11M) · Kensington Bank ($446.70M)
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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