The Bank of Lafayette
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Lafayette is an FDIC-insured commercial bank headquartered in La Fayette, GA, established in 1899 (FDIC certificate 9245), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $446.8M, up 9.8% from Q2 2025, the 44th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9245
- Headquarters
- La Fayette, GA
- Established
- 1899
- Total assets, Q2 2026
- $446.8M
- Assets vs Q2 2025
- +9.8%
- Tier 1 leverage ratio, Q2 2026
- 9.35%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061103182
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Lafayette call report
- Holding company
- LAFAYETTE BANKSHARES, INC.
- Asset rank in state
- 44th of 121 in Georgia
Problem loans are rising at The Bank of Lafayette. Its balance sheet stood at $447 million at June 30, 2026, up 9.8% from a year earlier; it is based in La Fayette, Georgia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.44% of loans from 0.90% a year earlier. It returns 23.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 2.50 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $37 million equal 81% of Tier 1 capital, down from 96% a year earlier. Credit is the area to watch: it carries problem assets equal to 13.2% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, The Bank of Lafayette reported a return on assets of 0.87%, a nonperforming-loan ratio of 1.44% and a Texas ratio of 13.25%. The figures come from its call report filed with the FFIEC.
The Bank of Lafayette ranks as the 44th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $446.8M, loans rose 1.2% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 59.0% of total loans, ahead of construction and land development loans at 9.6%. Its 3 offices in the FDIC Summary of Deposits are in La Fayette, GA, Rock Spring, GA and Lafayette, GA; its La Fayette office books 85% of its branch deposits. Judged on its Q2 2026 call report, The Bank of Lafayette meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Patton St, La Fayette, GA 30728
- County
- Walker
- Metro Area
- Chattanooga, TN-GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 18, 1899
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $396.2M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$47K
- Average total assets
- $486.7M
- Average total loans
- $175.1M
- Average interest-bearing deposits
- $339.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9245
- Fed RSSD
- 944739
- Website
- www.bankoflafayette.com →
- Parent Holding Company
- LAFAYETTE BANKSHARES, INC. (RSSD 1085965)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Lafayette reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Bank of Lafayette's total assets moved between a low of $364.1M (Q3 2023) and a high of $452.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$446.8M total assets against $407.1M; $428.6M total liabilities against $394.7M.
$175.7M net loans and leases against $163.7M; $396.2M total deposits against $369.5M.
$240.1M securities against $209.3M; $13.8M cash and balances due against $16.3M.
$5.1M total interest income against $4.5M; $2.2M total interest expense against $1.6M.
$2.9M net interest income against $2.9M.
$334K total noninterest income against $313K; $1.9M total noninterest expense against $1.7M.
$0 provision for credit losses against $0.
$1.1M net income against $1.1M.
0.87% return on assets against 0.96%; 2.50% net interest margin against 2.70%.
9.35% tier 1 leverage ratio against 9.70%.
Inside the full The Bank of Lafayette terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Lafayette rankings
Its closest position to the top of a national ranking is 401 of 3,640, for Texas Ratio; its furthest is 2,778 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.26% (Q4 2025) to 1.03% (Q3 2025) and its net interest margin ran from 2.35% (Q1 2026) to 2.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.35% | 0.87% | 1.44% | 13.25% | 2.50% |
| Q1 2026 | 9.20% | 0.86% | 1.19% | 11.36% | 2.35% |
| Q4 2025 | 9.57% | 0.26% | 0.85% | 7.73% | 2.71% |
| Q3 2025 | 10.00% | 1.03% | 0.91% | 8.10% | 2.78% |
| Q2 2025 | 9.70% | 0.96% | 0.90% | 11.04% | 2.70% |
| Q1 2025 | 9.36% | 0.89% | 0.84% | 12.65% | 2.50% |
| Q4 2024 | 9.56% | 0.48% | 0.82% | 18.03% | 2.38% |
| Q3 2024 | 9.37% | 0.74% | 0.96% | 11.72% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Lafayette, Georgia | La Fayette , GA | 30728 | $335.0M |
| Rock Spring Branch | Rock Spring , GA | 30739 | $57.2M |
| West Main-Chattanooga Branch | Lafayette , GA | 30728 | $4.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 64 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Lafayette
What are The Bank of Lafayette's total assets?
As of the Q2 2026 filing, The Bank of Lafayette reported total assets of $446.8 million in its FFIEC call report.
Where is The Bank of Lafayette headquartered?
It is headquartered in La Fayette, GA, United States.
When was The Bank of Lafayette founded?
It was established in 1899, per the FDIC institution directory.
Is The Bank of Lafayette FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Lafayette?
The Bank of Lafayette's primary federal regulator is the FDIC.
How many branches does The Bank of Lafayette operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Lafayette's Texas Ratio?
Its Texas Ratio is 13.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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