Lafayette State Bank: how it compares with its peers
Against 28 FL banks with half to twice its assets, Lafayette State Bank's strongest measure in Q2 2026 is net interest margin (5.35% vs. a 3.79% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $8.0M).
| Measure | Lafayette State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 0.83% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.35% | 3.79% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.32% | 71.53% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $8.0M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.29% | 75.59% | Context |
What it means for lending operations
Its efficiency ratio of 69.32% is better than the 71.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Gulf Atlantic Bank Key West, FL · $253M
- Cypress Bank & Trust Melbourne, FL · $257M
- Community Bank of the South Merritt Island, FL · $266M
- First National Bank of Pasco Dade City, FL · $280M
- Surety Bank Deland, FL · $214M
- First Colony Bank of Florida Maitland, FL · $291M
Questions about Lafayette State Bank
How big is Lafayette State Bank?
Lafayette State Bank, established in 1946, is headquartered in Mayo, FL. It reported $252M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Lafayette State Bank's return on assets?
1.13% annualized in Q2 2026, against a 0.83% median for 28 FL banks with half to twice its assets, ahead of 71% of them.
What is Lafayette State Bank's efficiency ratio?
69.32% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 71.53%, and lower is better.
Is Lafayette State Bank growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.