BlastPoint's Banking Scorecard
The Bank of LaFayette, Georgia
La Fayette, GA
3 branches across GA
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 96 in GA.
- Deposits +7.2% year over year ($396.2M on the books).
- Delinquency rate 1.45%.
- Return on assets 0.93%.
- Efficiency ratio 56.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of LaFayette, Georgia has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.34% below tier average
- - ROA 0.39% below tier average
- - Delinquency Rate 0.53% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.8M
+9.8% YoY
-1.2% QoQ
|
+$60.2M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$175.7M
+7.4% YoY
+1.2% QoQ
|
-$82.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$396.2M
+7.2% YoY
+2.5% QoQ
|
+$69.5M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
0.93%
-8.2% YoY
+1.0% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
2.65%
-9.3% YoY
+3.0% QoQ
|
-1.34% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio ? |
56.83%
+1.5% YoY
+1.3% QoQ
|
-7.64% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
1.45%
+60.6% YoY
+20.8% QoQ
|
+0.53% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
44.34%
+0.1% YoY
-1.3% QoQ
|
-33.61% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.83%
-11.5% YoY
+0.9% QoQ
|
-8.20% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.57%
+57.1% YoY
+23.8% QoQ
|
-0.10% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
9.35%
-3.6% YoY
+1.6% QoQ
|
-6.56% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
-3.7% YoY
+108.8% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
33% |
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.8%
-1.8pp YoY +0.1pp QoQ |
-8.3pp | 22.1% | 26.2% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.1%
+2.8pp YoY +0.8pp QoQ |
-4.5pp | 11.6% | 9.7% | 12.5% | 33% |
| CRE |
18.7%
-1.4pp YoY -0.8pp QoQ |
-20.8pp | 39.5% | 48.9% | 41.4% | 16% |
| 1-4 Family |
59.4%
+0.9pp YoY +0.3pp QoQ |
+26.8pp | 32.6% | 31.7% | 31.3% | 90% |
| Consumer |
13.3%
-2.0pp YoY -0.2pp QoQ |
+9.2pp | 4.1% | 4.8% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
9.4%
-0.4pp YoY +0.1pp QoQ |
-2.8pp | 12.2% | 14.0% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
-1 (-1.9%) YoY 0 QoQ |
-6 | 58 | 98 | 482 | 56% |
| Assets per Employee ($) |
$8.4M
+11.8% YoY -1.2% QoQ |
+$912K | $7.5M | $7.5M | $8.8M | 73% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 34% |
| Nonaccrual |
1.4%
+0.5pp YoY +0.2pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 80% |
| Allowance Coverage |
0.42x
-36.2% YoY -18.5% QoQ |
-23.73x | 24.15x | 38.10x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.5%
-19.6pp YoY -0.1pp QoQ |
+11.3pp | 12.2% | 13.6% | 11.6% | 94% |
| Cost of Funds (YTD) |
2.0%
+0.4pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 73% |
| Net Income ($, YTD) |
$2.1M
+1.4% YoY — QoQ |
-$462K | $2.6M | $6.6M | $40.4M | 54% |
Get Full Access to The Bank of LaFayette, Georgia
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.