🏦Bank Scorer

LAFAYETTE STATE BANK

MAYO, FL · Supervised by FDIC

Est. 1946FDIC #16,396RSSD: FDIC-16396
Part ofLAFAYETTE BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: December 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

340 W Main St, MAYO, FL

County

Lafayette County

Established

April 2, 1946

Total Assets

$246M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$246M

Total Deposits

$223M

Net Loans

$158M

Net Income

$806K

ROA

1.31%

ROE

16.52%

Risk-Based Capital

15.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate45.45%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$226M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245543.64%45.45%
20238248.78%30.49%
20196867.65%17.65%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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