The Bank of LaFayette, Georgia is a state-chartered bank headquartered in La Fayette, Georgia, in business for about 127 years. At the end of Q2 2026 it reported $446.8M in total assets and $396.2M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Bank of LaFayette, Georgia scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 115th. Its strongest component is funding & liquidity (75/100; 44% loans-to-deposits, 37% uninsured), and its lowest is capital cushion (44/100; 9.35%).
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 fell 7 points (63 → 56), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 59 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 66 |
| Q4 2025 | 62 |
| Q1 2026 | 58 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.01% |
| Q3 2024 | 9.37% |
| Q4 2024 | 9.56% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.70% |
| Q3 2025 | 10.00% |
| Q4 2025 | 9.57% |
| Q1 2026 | 9.20% |
| Q2 2026 | 9.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.85% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $446.8M | 9.35% | 1.44% | 0.93% | 44.3% |
| Q1 2026 | 58 | $452.0M | 9.20% | 1.19% | 0.92% | 44.9% |
| Q4 2025 | 62 | $448.3M | 9.57% | 0.85% | 0.84% | 45.4% |
| Q3 2025 | 66 | $411.2M | 10.00% | 0.91% | 1.05% | 48.7% |
| Q2 2025 | 63 | $407.1M | 9.70% | 0.90% | 1.02% | 44.3% |
| Q1 2025 | 61 | $411.4M | 9.36% | 0.84% | 0.98% | 42.7% |
| Q4 2024 | 59 | $401.3M | 9.56% | 0.82% | 0.74% | 42.8% |
| Q3 2024 | 60 | $387.1M | 9.37% | 0.96% | 0.82% | 47.2% |
| Q2 2024 | 59 | $406.7M | 9.01% | 0.67% | 0.81% | 42.7% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MadisonBank Madison, GA | 83 out of 100, Strong | $448.1M | 11.6% | 0.02% | vs |
| Glennville BankBank Glennville, GA | 73 out of 100, Strong | $444.2M | 11.0% | 1.09% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| The Commercial BankBank Crawford, GA | 79 out of 100, Strong | $463.7M | 10.7% | 0.17% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
Deposit insurance
Is my money safe at The Bank of LaFayette, Georgia?
Yes. The Bank of LaFayette, Georgia is an FDIC-insured institution (FDIC certificate #9245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.3% of deposits ($147.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The Bank of LaFayette, Georgia lists 1 office in 1 city. Most locations:
- La Fayette, GA (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of LaFayette, Georgia reported 148 home-loan applications under HMDA (LEI 254900VXGQ0PJJBNKA66): 125 originated ($24,885,000 total), 8 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, 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
- The Bank of LaFayette, Georgia
- Type
- State-chartered bank
- FDIC certificate #
- 9245
- RSSD ID
- 944739
- Primary regulator
- FDIC
- Holding company
- Lafayette Bankshares Inc
- Established
- July 18, 1899
- Headquarters
- 101 W Patton St, La Fayette, GA 30728
- Website
- www.bankoflafayette.com
- Employees
- 53
Quick answers
The Bank of LaFayette, Georgia: common questions
Is The Bank of LaFayette, Georgia FDIC insured?
Yes. The Bank of LaFayette, Georgia is an FDIC-insured institution (FDIC certificate #9245). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of LaFayette, Georgia's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of LaFayette, Georgia ever failed?
There is no failure record for FDIC certificate #9245 in the FDIC failed bank list.
How many branches does The Bank of LaFayette, Georgia have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Fayette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |
| Bank of DadeBank Trenton, GA | 79 out of 100, Strong | $162.3M | 9.4% | 0.25% | vs |
| First Southern State BankBank Stevenson, AL | 77 out of 100, Strong | $893.5M | 10.6% | 0.25% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |