Side-by-side · Q2 2026 data
Lafayette State Bank vs Gulf Atlantic Bank
Metric by metric
| Measure | Lafayette State Bank | Gulf Atlantic Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 62 |
| Capital cushion | 49 (stronger) | 44 |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 65 (stronger) | 47 |
| Funding & liquidity | 85 (stronger) | 46 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 22nd |
| Total assets | $252.2M | $253.2M |
| Deposits / shares | $229.0M | $213.0M |
| Capital ratio | 9.86% (stronger) | 9.38% |
| Problem loans | 0.06% (stronger) | 0.20% |
| Net charge-offs | -0.17% (stronger) | 0.19% |
| Return on assets | 1.13% (stronger) | 0.68% |
| Loans ÷ deposits | 72.3% (stronger) | 89.1% |
| Uninsured deposits | 17.8% (stronger) | 37.7% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Lafayette State Bank has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 7 and Gulf Atlantic Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.