BlastPoint's Banking Scorecard
Lafayette State Bank
Mayo, FL
4 branches across FL
Lafayette State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 13.2% in tier
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.70% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.5M
+2.2% YoY
-0.7% QoQ
|
-$140.6M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$158.0M
+9.0% YoY
-2.4% QoQ
|
-$97.8M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$222.9M
+0.2% YoY
-1.0% QoQ
|
-$105.1M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
1.31%
+23.2% YoY
+16.2% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
5.57%
+17.5% YoY
+9.1% QoQ
|
+1.64% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Top 2.5% in tier |
| Efficiency Ratio ? |
65.98%
-7.8% YoY
-6.1% QoQ
|
+0.70% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
70.86%
+8.8% YoY
-1.4% QoQ
|
-5.78% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
37.20%
-6.8% YoY
+2.5% QoQ
|
+15.18% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 7.4% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-85.2% YoY
-15.2% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
14.20%
+10.1% YoY
+54.0% QoQ
|
-1.63% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.21%
+12.5% YoY
-71.2% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Top 12.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.