The Bank of Lafayette: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Lafayette of La Fayette, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 1.34% | -0.47% | 26th below |
| ROAE | 23.84% | 13.31% | +10.53% | 94th top |
| Net Interest Margin | 2.50% | 3.93% | -1.43% | 3rd bottom |
| Efficiency Ratio | 57.47% | 61.14% | -3.67% | 62nd above |
| PPNR / Avg Assets | 1.13% | 1.68% | -0.55% | 26th below |
| Yield on Earning Assets | 4.37% | 5.67% | -1.30% | 7th bottom |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 2.06% | 3.32% | -1.26% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.59% | 0.94% | +0.65% | 17th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.70% | -0.07% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 5th bottom |
| ACL / NPLs (Coverage) | 37.79% | 1539.38% | -1501.59% | 6th bottom |
| Texas Ratio | 15.00% | 7.33% | +7.67% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.35% | 12.14% | -2.79% | 18th bottom |
| Equity / Assets | 4.06% | 11.38% | -7.32% | 1st bottom |
| TCE / Tangible Assets | 4.06% | 11.10% | -7.04% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.61% | 80.65% | -36.04% | 94th top |
| Core Deposit Ratio | 92.90% | 86.86% | +6.04% | 73rd above |
| Wholesale Funding Ratio | 6.82% | 5.03% | +1.79% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.76% | 6.85% | +2.91% | 82nd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.38% | 7.90% | -0.52% | 62nd above |
| Deposit Growth (Y/Y) | 7.23% | 6.29% | +0.94% | 72nd above |
See The Bank of Lafayette's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Lafayette, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Lafayette profile, how to read a UBPR, or how this data updates.