The Bank of Lafayette: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.65 percentage points lower than in Q1 2026, at 37.79%. Within Georgia, The Bank of Lafayette is 102nd of 121 on return on assets, 0.87% as of Q2 2026, below the middle of the field. The Bank of Lafayette reported 0.87% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.35% |
| Equity capital to assets | 4.06% |
| Tangible equity to tangible assets | 4.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.59% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 15.00% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 37.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 23.84% |
| Net interest margin | 2.50% |
| Efficiency ratio | 57.47% |
| Yield on earning assets | 4.37% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.61% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.69% |
| Securities to assets | 53.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.85% | 2.10% | 2.20% | 0.97% | 0.10% |
| Q4 2023 | 9.24% | -1.33% | 1.22% | 0.87% | 0.07% |
| Q1 2024 | 9.14% | 0.72% | 2.30% | 1.01% | -0.03% |
| Q2 2024 | 9.01% | 0.74% | 2.23% | 0.84% | -0.01% |
| Q3 2024 | 9.37% | 0.74% | 2.37% | 1.12% | 0.04% |
| Q4 2024 | 9.56% | 0.48% | 2.38% | 0.98% | -0.08% |
| Q1 2025 | 9.36% | 0.89% | 2.50% | 1.10% | 0.06% |
| Q2 2025 | 9.70% | 0.96% | 2.70% | 1.06% | 0.02% |
| Q3 2025 | 10.00% | 1.03% | 2.78% | 1.01% | 0.01% |
| Q4 2025 | 9.57% | 0.26% | 2.71% | 0.93% | 0.23% |
| Q1 2026 | 9.20% | 0.86% | 2.35% | 1.38% | -0.12% |
| Q2 2026 | 9.35% | 0.87% | 2.50% | 1.59% | 0.01% |
The Bank of Lafayette vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Lafayette, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Lafayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9245) · FFIEC NIC profile (RSSD 944739)