Lafayette State Bank (FDIC certificate #16396) is based in Mayo, Florida. Its Q2 2026 call report shows $252.2M in total assets and $229.0M in deposits and 4 offices.
Lafayette State Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 24th. Loan quality contributes the most (98/100, 0.06%); capital cushion contributes the least (49/100, 9.86%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (65 → 74), mostly because the loan quality component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 53 |
| Q4 2024 | 53 |
| Q1 2025 | 49 |
| Q2 2025 | 65 |
| Q3 2025 | 70 |
| Q4 2025 | 72 |
| Q1 2026 | 76 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.51% |
| Q3 2024 | 8.76% |
| Q4 2024 | 8.78% |
| Q1 2025 | 8.51% |
| Q2 2025 | 8.64% |
| Q3 2025 | 8.82% |
| Q4 2025 | 9.22% |
| Q1 2026 | 9.58% |
| Q2 2026 | 9.86% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.87% |
| Q4 2024 | 1.91% |
| Q1 2025 | 2.24% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $252.2M | 9.86% | 0.06% | 1.13% | 72.3% |
| Q1 2026 | 76 | $245.5M | 9.58% | 0.00% | 1.31% | 70.9% |
| Q4 2025 | 72 | $247.4M | 9.22% | 0.06% | 1.13% | 71.9% |
| Q3 2025 | 70 | $250.6M | 8.82% | 0.11% | 1.13% | 67.6% |
| Q2 2025 | 65 | $243.7M | 8.64% | 0.71% | 1.05% | 64.6% |
| Q1 2025 | 49 | $240.3M | 8.51% | 2.24% | 1.06% | 65.1% |
| Q4 2024 | 53 | $232.7M | 8.78% | 1.91% | 1.11% | 65.1% |
| Q3 2024 | 53 | $220.6M | 8.76% | 1.87% | 1.07% | 70.0% |
| Q2 2024 | 61 | $223.9M | 8.51% | 1.01% | 1.04% | 68.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| Community Bank of the SouthBank Merritt Island, FL | 67 out of 100, Moderate | $266.5M | 9.5% | 0.00% | vs |
| First National Bank of PascoBank Dade City, FL | 64 out of 100, Moderate | $280.0M | 10.2% | 0.36% | vs |
| Surety BankBank Deland, FL | 90 out of 100, Very strong | $213.7M | 13.2% | 0.22% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
Deposit insurance
Is my money safe at Lafayette State Bank?
Yes. Lafayette State Bank is an FDIC-insured institution (FDIC certificate #16396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.8% of deposits ($40.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.09% (benchmark: 10%).
4 locations
Branches
Lafayette State Bank lists 4 offices in 4 cities. Most locations:
- Bell, FL (1)
- Branford, FL (1)
- Live Oak, FL (1)
- Mayo, FL (1)
HMDA 2025
Mortgage lending
In 2025, Lafayette State Bank reported 53 home-loan applications under HMDA (LEI 549300WT3BKLLJV4I440): 27 originated ($4,975,000 total), 14 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Lafayette State Bank
- Former names
- Lafayette County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16396
- RSSD ID
- 535931
- Primary regulator
- FDIC
- Holding company
- Lafayette Banking Co
- Established
- April 2, 1946
- Headquarters
- 340 W Main St, Mayo, FL 32066
- Website
- www.lafayettestate.bank
- Employees
- 60
Quick answers
Lafayette State Bank: common questions
Is Lafayette State Bank FDIC insured?
Yes. Lafayette State Bank is an FDIC-insured institution (FDIC certificate #16396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lafayette State Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lafayette State Bank ever failed?
There is no failure record for FDIC certificate #16396 in the FDIC failed bank list.
How many branches does Lafayette State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mayo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Suwannee River Federal Credit UnionCredit union Live Oak, FL | 83 out of 100, Strong | $25.7M | 12.1% | 0.03% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |
| Radiant Credit UnionCredit union Gainesville, FL | 65 out of 100, Moderate | $1.1B | 9.5% | 0.47% | vs |
| TD Bank, National AssociationBank Wilmington, DE | 63 out of 100, Moderate | $342.8B | 10.3% | 1.11% | vs |
| Vystar Credit UnionCredit union Jacksonville, FL | 51 out of 100, Below average | $14.3B | 8.9% | 1.25% | vs |