LAFAYETTE STATE BANK

MAYO, FL | Small | Est. April 2, 1946, midnight | FDIC #16396 | RSSD #535931 | FDIC
Latest Report: 2025-12-31

LAFAYETTE STATE BANK is asn small FDIC-insured commercial bank headquartered in MAYO, FL, established in April 2, 1946, midnight. As of 2025-12-31, the bank reported total assets of $247M and total deposits of $225M. Profitability stands at 1.11% ROA and 14.91% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 7.81%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 2.23%. FDIC Certificate #16396.

Assets

$247M

Deposits

$225M

Loans

$165M

Equity

$19M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 14.91%
Net Interest Margin (NIM) 5.23%
Yield on Assets 6.55%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.07%
Texas Ratio 2.23%
NPA Ratio 0.20%
ACL / Loans 1.89%

Capital & Liquidity

CET1 Ratio 7.81%
Tier 1 Capital 7.81%
Total Capital Ratio 8.20%
Leverage Ratio 9.22%
Loan-to-Deposit 73.25%

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