Side-by-side · Q2 2026 data
Lafayette State Bank vs First Colony Bank of Florida
Metric by metric
| Measure | Lafayette State Bank | First Colony Bank of Florida |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 49 | 49 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $252.2M | $291.1M |
| Deposits / shares | $229.0M | $262.4M |
| Capital ratio | 9.86% | 9.94% (stronger) |
| Problem loans | 0.06% (stronger) | 0.17% |
| Net charge-offs | -0.17% (stronger) | 0.00% |
| Return on assets | 1.13% | 2.07% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 75.5% |
| Uninsured deposits | 17.8% (stronger) | 23.0% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
First Colony Bank of Florida has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 4 and First Colony Bank of Florida on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.