The Bank of LaFayette, Georgia: how it compares with its peers
Against 69 GA banks with half to twice its assets, The Bank of LaFayette, Georgia's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (2.65% vs. 4.66%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.59% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.65% | 4.66% | Bottom third Ahead of 1% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.83% | 56.50% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.1M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.34% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 56.83% is above the 56.50% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Madison Madison, GA · $448M
- Glennville Bank Glennville, GA · $444M
- First Peoples Bank Pine Mountain, GA · $449M
- The Commercial Bank Crawford, GA · $464M
- River City Bank Rome, GA · $423M
- Great Oaks Bank Richmond Hill, GA · $422M
Questions about The Bank of LaFayette, Georgia
How big is The Bank of LaFayette, Georgia?
The Bank of LaFayette, Georgia, established in 1899, is headquartered in La Fayette, GA. It reported $447M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Bank of LaFayette, Georgia's return on assets?
0.93% annualized in Q2 2026, against a 1.59% median for 69 GA banks with half to twice its assets, ahead of 14% of them.
What is The Bank of LaFayette, Georgia's efficiency ratio?
56.83% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is The Bank of LaFayette, Georgia growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 7.2%.
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 GA 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 Georgia bank ranked.