BlastPoint's Banking Scorecard
Lafayette State Bank
Micro
Specialty: Commercial
FL
FDIC cert 16396
Designations: ✓ Community bank
Mayo, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Lafayette State Bank shows strong momentum with 1 strength and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.4M
+6.3% YoY
-1.3% QoQ
|
+$29.9M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$161.8M
+15.0% YoY
+4.1% QoQ
|
+$22.6M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$225.2M
+4.2% YoY
-2.1% QoQ
|
+$41.5M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.13%
+1.4% YoY
-0.2% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
5.11%
+5.2% YoY
+1.9% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
70.24%
+2.6% YoY
+0.2% QoQ
|
+2.51% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.06%
-97.0% YoY
-46.3% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
71.86%
+10.3% YoY
+6.4% QoQ
|
-2.66% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
36.29%
-2.4% YoY
-5.8% QoQ
|
+13.90% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-79.6% YoY
-59.4% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.72%
-15.4% YoY
+35.2% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.29% · Tier avg: 22.39%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
66
66th pctile
Total Deposits
Current: $225.2M · Tier avg: $183.7M
64
64th pctile
Total Loans
Current: $161.8M · Tier avg: $139.2M
62
62th pctile
Total Assets
Current: $247.4M · Tier avg: $217.5M
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 71.86% · Tier avg: 74.53%
39
39th pctile
Efficiency Ratio
Current: 70.24% · Tier avg: 67.73%
Top Weaknesses
39
39th pctile
Efficiency Ratio
Current: 70.24% · Tier avg: 67.73%
42
42th pctile
Loan-to-Deposit Ratio
Current: 71.86% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
62
62th pctile
Total Assets
Current: $247.4M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $161.8M · Tier avg: $139.2M
66
66th pctile
Total Deposits
Current: $225.2M · Tier avg: $183.7M
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.29% · Tier avg: 22.39%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%