BlastPoint's Banking Scorecard
The Bank of LaFayette, Georgia
Micro
Specialty: Other
GA
FDIC cert 9245
Designations: ✓ Community bank
La Fayette, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Bank of LaFayette, Georgia faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.17% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$448.3M
+11.7% YoY
+9.0% QoQ
|
+$230.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$171.4M
+6.6% YoY
+3.6% QoQ
|
+$32.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$377.9M
+0.5% YoY
+11.2% QoQ
|
+$194.2M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.84%
+13.5% YoY
-19.8% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
2.94%
+13.9% YoY
-0.9% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
56.37%
-11.1% YoY
+1.5% QoQ
|
-11.35% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.86%
+4.0% YoY
-6.0% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
45.36%
+6.1% YoY
-6.8% QoQ
|
-29.17% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.96%
-0.2% YoY
-15.7% QoQ
|
-7.44% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.33%
-0.8% YoY
-10.6% QoQ
|
-0.12% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
-7.7% YoY
+22.2% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
45.36%
(Tier avg: 74.53%, National avg: 78.04%)
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
94
94th pctile
Total Assets
Current: $448.3M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $377.9M · Tier avg: $183.7M
78
78th pctile
Efficiency Ratio
Current: 56.37% · Tier avg: 67.73%
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.96% · Tier avg: 22.39%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.36% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.36% · Tier avg: 74.53%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.96% · Tier avg: 22.39%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
78
78th pctile
Efficiency Ratio
Current: 56.37% · Tier avg: 67.73%
94
94th pctile
Total Deposits
Current: $377.9M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $448.3M · Tier avg: $217.5M