What is Lafayette State Bank's financial health grade?

Lafayette State Bank has a TFS Financial Health Grade of D+ (score: 69.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Lafayette State Bank have?

Lafayette State Bank has 4 branch locations across the United States.

Is Lafayette State Bank FDIC insured?

Yes, Lafayette State Bank is FDIC insured (Certificate #16396).

What are the total assets of Lafayette State Bank?

Lafayette State Bank has total assets of $247.4M as reported in its most recent FDIC filing.

Lafayette State Bank

BankMayo, Florida

www.lafayettestate.bank

Total Assets

$247.4M

Total Deposits

$225.2M

Branches

Established

1946

TFS Health Grade

D+

69.9 / 100

Below average financial health

How we grade

Lafayette State Bank is a bank headquartered in Mayo, Florida, established in 1946. With $247.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (69.9/100).

Capital & Safety

Tier 1 Capital Ratio

9.22%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

16.50%(10%)

Net Interest Margin

5.11%

Efficiency Ratio

70.24%(60%)

Lending & Liquidity

Total Loans

$164.9M

Loan-to-Deposit Ratio

71.86%

Net Charge-Off Ratio

-0.08%

Growth

Asset Growth (YoY)

+6.28%

Deposit Growth (YoY)

+4.21%

Net Income

$2.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Lafayette State BankHQ	340 W Main St	Mayo	FL	11
Lafayette State Bank	1119 S Main St	Bell	FL	11
Lafayette State Bank	103 Us Highway 27 Se	Branford	FL	11
Lafayette State Bank	106 Grand St Ne	Live Oak	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.