# LAFAYETTE STATE BANK
MAYO, FL · FDIC certificate 16396 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $252.2M | |
| Deposits | $229.0M | |
| Loans and leases | $169.1M | |
| Total equity | $20.5M | |
| Loans / deposits | 72.29% (p48 of band) | 73.59% |
| Liquid assets / assets | 28.38% (p40 of band) | |
| Uninsured deposits / deposits | 17.81% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -28.06% (p15 of band) | -6.57% |
| AOCI / equity | -0.89% (p30 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 5.35% (p95 of band) | 3.93% |
| Efficiency ratio | 69.32% (p59 of band) | |
| Noncurrent loans | 0.06% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | -0.11% (p2 of band) | |
| Reserve coverage of noncurrent | 3673.20% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 86.62% (p92 of band) | |
| Auto loans | $576,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | brokered >10% |  |
| 2011-09 | 2 |  | wholesale funding >15% |
| 2011-12 | 3 | wholesale funding >15% |  |
| 2012-03 | 2 |  | wholesale funding >15% |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 5 | wholesale funding >15%, noncurrent p90 |  |
| 2013-12 | 8 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2014-03 | 9 | leverage <7%, leverage <5%, losing money | wholesale funding >15%, loans exceed deposits, liquid assets <10% |
| 2014-06 | 6 |  | reserve under noncurrent, brokered >10%, noncurrent p90 |
| 2014-09 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling, leverage <5% |
| 2014-12 | 7 | assets shrinking |  |
| 2015-03 | 9 | leverage <5%, expense ratio p90 | charge-offs p90 |
| 2015-06 | 12 | capital falling, charge-offs p90, deposits shrinking |  |
| 2015-09 | 12 |  |  |
| 2015-12 | 11 |  | uninsured deposits leaving |
| 2016-03 | 12 | uninsured deposits leaving |  |
| 2016-06 | 11 |  | uninsured deposits leaving |
| 2016-09 | 10 |  | capital falling |
| 2016-12 | 10 |  |  |
| 2017-03 | 6 | uninsured deposits leaving | assets shrinking, leverage <5%, charge-offs p90, deposits shrinking |
| 2017-06 | 7 | leverage <5% | uninsured deposits leaving |
| 2017-09 | 7 |  |  |
| 2017-12 | 8 | charge-offs p90 |  |
| 2018-03 | 6 | capital falling | losing money, expense ratio p90, charge-offs p90 |
| 2018-06 | 4 | expense ratio p90 | leverage <5%, capital falling |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | leverage <7%, expense ratio p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | expense ratio p90, charge-offs p90 |  |
| 2020-06 | 3 | capital falling | noncurrent p90, expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | leverage <7% |  |
| 2021-03 | 5 | noncurrent p90 |  |
| 2021-06 | 3 |  | charge-offs p90, capital falling |
| 2021-09 | 1 |  | leverage <7%, noncurrent p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2022-06 | 5 | charge-offs p90, construction >100% equity | deposits shrinking |
| 2022-09 | 4 |  | charge-offs p90 |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | reserve under noncurrent |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 1 |  | construction >100% equity, reserve under noncurrent |
| 2025-09 | 2 | construction >100% equity |  |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | construction >100% equity |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-03-09 [Lafayette State Banks former president sentenced - Valdosta Daily Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxQUzBfOGlqaWJERWlOSmZ4WWxIblN5dU5mZXdFWDlnSVZZRlF2Sm91amVlMVo4OHo3OVFndDVvcXVtRlRCbnhRZXIyTjc5eDA4WXExdVlnRG1WeFdOallULTBzbmJoRGFxckM2dzJwY01DdDdsVHY5TFVaS2IzZDMtRmtqWFY5cWhMc3dpZUNZSFZBZFVhLWc?oc=5) · Valdosta Daily Times
- 2017-08-30 [Lafayette State Bank announces election of David Adams as a Director - Tallahassee Democrat](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZlNBN1lnbGNsejhiR2NMTDVxeFpzOEcxM2V0WW1oZm9GQ1B6ZlRUbUFSUW1JaktTZ2dGVS1uMnZvNmtJYUVjWjFELUxYMVp3aTBUdnZhbWRvcXloSkFCR21YeFA5QmNCbFFIdDY0RktsYlNkOVBfOWRzN3J1cXBGTXk4RXM1aVk2R3Q2RVhBQmRPVU4zZUlJT3FzY0R0MFNrQmNmR00wMkowMklHNmZ3dTlCclNCNXFKNnl2QzdJcw?oc=5) · Tallahassee Democrat
- 2018-06-16 [Calvitt to head business development at Lafayette State Bank - Valdosta Daily Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOU0ZZMENjUGdBclVTTDFyOHh4Y0diWGkwM2VweGJGeFEyZklZN1poMXdoTklVZHBFVHFBUU9oRE9VeUgzZUdBZ240M3ZQSVNpMEdDQWhPZWN2OGtjUndXSUxDdzc4X0E3TzUzdm1nSlhLREZWa2VLZ3JYZWJ6bVVkd1RMVWZka1dvUkN4VV9BcU5NWFl0bHNHNThjQzBwOUtKNWRlZGhB?oc=5) · Valdosta Daily Times
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2019-08-28 [Dump truck crashes into building, closes Main Street in Mayo - Moultrie Observer](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEFtOE9KbElaU19pSUVaZE9QSkNUU2JOS2J5WmZfcDByYXZUZXVnLTY5OUZkS0RKSGV1LTlySlpoZ2E1Q0pkMDN6UDNTc2p2aFVHRUdVMmtUcXJlY3QyTGdtUlNKd0tWdkJHamJZUm5qMHZseFFXNUpMM055aEEtYmtNUjRDWnRnVS1SaktmYW5Mc2VqNEFDZWd3WEQwRmVySmc?oc=5) · Moultrie Observer
- 2026-09-07 [HardisonInk.com - HardisonInk.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9scGtyQm91QXJJY2Fram9RMUMtZ3YyRWlEV2s2Y01OWGl5aTNQamh5NnQtVENTblJpbk5iNGZ6V2ZpMWVtY0YtUUI5R01VU25sVUQ4UU5BQnY?oc=5) · HardisonInk.com
- 2024-07-25 [Two Perry men arrested for string of ATM burglaries across the Big Bend - WCTV](https://news.google.com/rss/articles/CBMilwFBVV95cUxQQ3dRenpNbW5mZ1QtOVhNWFpLaXo1cFp4NXltYmJkTnllNnNNYk5uYzlXcDFaQU53eWh1VDQ4WVNpejZSQTl1WnlSZl9CWGxxejJFVlRnbHhnMmhMdERQN1lBTjZPd2wwblh1SVlySkczdlktcGRmS3RrZ2tGTlYwbUpaZE1Rd2NTbERBU2hWaTdmV1UwNTVr?oc=5) · WCTV
- 2025-11-10 [Suwannee County teen dies in crash on I-10 - WCJB](https://news.google.com/rss/articles/CBMieEFVX3lxTE9LR2lhUDktNjZab0ZtamJGNi1yS2p6VEhucHVPM2s1dkhLcGdtQ3NKV3pUd05RVUVfcHBibldGX09GMHA4RWI5S3l1VzN3ZFhKMnZYN0NibWNNQzM5NjQ3RDNxZ2Q4ZmYzOFBCZ3VleVZQcGJHTVNDRtIBjAFBVV95cUxNdFNRZXFhdnNja1dSeFNOcU5NemFQemFkZ3Q5bnB6Q1FRYzZBdnhBN2hxSnRzVEdiRllMSU5zM2dXeVJiWXlZRUtMSFdtWXRBYXhMSUMydnFmckNCV2lPNVo1Mm5wWXE4QjVrcnBWal9hNVJ2c1BhVnZadVpFdlprMnpQblQtYzhKcWh3ZA?oc=5) · WCJB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "16396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide