Lafayette State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lafayette State Bank of Mayo, FL against its peer group of 2757 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 | 0.96% | 1.25% | -0.29% | 30th below |
| ROAE | 11.90% | 12.22% | -0.32% | 46th below |
| Net Interest Margin | 5.02% | 3.95% | +1.07% | 92nd top |
| Efficiency Ratio | 72.47% | 63.71% | +8.76% | 23rd bottom |
| PPNR / Avg Assets | 1.49% | — | — | 43rd below |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 1.28% | 1.87% | -0.59% | 81st top |
| Net Interest Spread | 4.24% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.88% | -0.82% | 78th top |
| NPA / Total Assets | 0.24% | — | — | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 20th bottom |
| ACL / Total Loans | 2.11% | — | — | 94th top |
| ACL / NPLs (Coverage) | 3673.20% | — | — | — |
| Texas Ratio | 2.48% | 5.96% | -3.48% | 52nd above |
| Provision / NCO | 294.12% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.84% | 17.18% | -3.34% | 37th below |
| Tier 1 Ratio | 13.84% | 17.21% | -3.37% | 37th below |
| Total Capital Ratio | 15.09% | — | — | 39th below |
| Leverage Ratio | 9.86% | 11.75% | -1.89% | 28th below |
| Equity / Assets | 8.14% | 10.98% | -2.84% | 15th bottom |
| TCE / Tangible Assets | 8.14% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.84% | 80.44% | -6.60% | 64th above |
| Core Deposit Ratio | 90.56% | 86.95% | +3.61% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.47% | — | — | 42nd below |
| Loan Growth (Y/Y) | 13.72% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 1.50% | — | — | 31st below |
See Lafayette State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lafayette State Bank, 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 Lafayette State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Lafayette State Bank peer analysis.