BlastPoint's Banking Scorecard
Lafayette State Bank
Mayo, FL
4 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +1.5% year over year ($229.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.13%.
- Efficiency ratio 69.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lafayette State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 13.3% in tier
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency Ratio 4.84% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.2M
+3.5% YoY
+2.7% QoQ
|
-$134.4M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$165.5M
+13.5% YoY
+4.8% QoQ
|
-$92.8M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$229.0M
+1.5% YoY
+2.7% QoQ
|
-$97.7M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.13%
+7.4% YoY
-13.5% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
5.35%
+8.8% YoY
-4.0% QoQ
|
+1.36% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Top 4.0% in tier |
| Efficiency Ratio ? |
69.32%
-3.3% YoY
+5.1% QoQ
|
+4.84% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.06%
-91.9% YoY
|
-0.86% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
72.29%
+11.9% YoY
+2.0% QoQ
|
-5.66% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
36.77%
-7.1% YoY
-1.2% QoQ
|
+14.74% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Top 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-45.2% YoY
+16.2% QoQ
|
-0.43% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.84%
+3.7% YoY
-2.6% QoQ
|
-2.07% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.42%
+13.2% YoY
+102.2% QoQ
|
-0.15% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Top 13.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.8%
-2.8pp YoY -0.4pp QoQ |
+14.6pp | 22.1% | 27.7% | 22.2% | 92% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.6%
+0.9pp YoY +0.6pp QoQ |
-1.0pp | 11.6% | 12.9% | 12.5% | 56% |
| CRE |
48.0%
+5.0pp YoY +0.9pp QoQ |
+8.4pp | 39.5% | 50.6% | 41.4% | 67% |
| 1-4 Family |
19.6%
-4.2pp YoY -1.7pp QoQ |
-13.0pp | 32.6% | 30.7% | 31.3% | 29% |
| Consumer |
6.1%
-0.4pp YoY -0.1pp QoQ |
+2.0pp | 4.1% | 3.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.5pp YoY -0.4pp QoQ |
-5.0pp | 18.8% | 19.8% | 19.7% | 38% |
| Leverage Ratio |
9.9%
+1.2pp YoY +0.3pp QoQ |
-2.3pp | 12.2% | 13.9% | 12.6% | 28% |
| Total Capital Ratio |
15.1%
+0.5pp YoY -0.4pp QoQ |
-4.8pp | 19.9% | 21.1% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
60
+12 (+25.0%) YoY +5 (+9.1%) QoQ |
+1 | 58 | 295 | 482 | 63% |
| Assets per Employee ($) |
$4.2M
-17.2% YoY -5.8% QoQ |
-$3.3M | $7.5M | $10.3M | $8.8M | 6% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 13 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.3pp | 0.3% | 0.3% | 0.4% | 41% |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
36.73x
+1241.1% YoY |
+12.58x | 24.15x | 16.62x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.2pp YoY +0.3pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
-2.3pp YoY -2.4pp QoQ |
+2.0pp | 12.2% | 9.3% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$1.4M
+11.6% YoY — QoQ |
-$1.2M | $2.6M | $25.2M | $40.4M | 39% |
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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.