Lafayette State Bank (FDIC #16396): Bank Stress & Real-Estate Credit Exposure
Lafayette State Bank (FDIC Cert #16396): bank stress 74/100, elevated, STABLE over 7 days; parent LAFAYETTE BANKING CO.
Lafayette State Bank (#16396) lends in 3 counties across 1 state; Lafayette State Bank (#16396) reaches 15 ZIP codes: Florida 3 counties, 15 ZIPs.
Lafayette State Bank (#16396) largest markets: Suwannee County, FL (18 branches, 9 ZIPs) (#16396), Gilchrist County, FL (5 branches, 5 ZIPs) (#16396), Lafayette County, FL (3 branches, 3 ZIPs) (#16396).
Lafayette State Bank (#16396) reports $252.2 million in total assets; Lafayette State Bank (#16396) equity $20.5 million (8.1% of Lafayette State Bank (#16396) assets); Lafayette State Bank (#16396) domestic deposits $229.0 million; Lafayette State Bank (#16396) net income $1.4 million; Lafayette State Bank (#16396) return on assets 1.13%; Lafayette State Bank (#16396) return on equity 14.15%; Lafayette State Bank (#16396) net interest income $6.0 million; Lafayette State Bank (#16396) call report June 30, 2026.
Lafayette State Bank (#16396) noncurrent real-estate loans 0.02% of its book; Lafayette State Bank (#16396) net charge-offs on real estate 0.07%.
Lafayette State Bank (#16396) net interest margin 5.35% against an eight-quarter Lafayette State Bank (#16396) average of 5.04% (Lafayette State Bank (#16396) compression -0.31 points); Lafayette State Bank (#16396) real-estate loans 2.1% of equity; Lafayette State Bank (#16396) rate-exposure score 40/100, Lafayette State Bank (#16396) fixed-rate trap 40/100; Lafayette State Bank (#16396) risk type credit driven; Lafayette State Bank (#16396) rate regime rates elevated, Lafayette State Bank (#16396) snapshot October 19, 2026.
Lafayette State Bank (#16396) stress score moved from 69.9 on June 22, 2026 to 74.5 on October 19, 2026; Lafayette State Bank (#16396) ranged 69.9 to 74.5 over 116 snapshots.
Lafayette State Bank (#16396) alerts: 3 counties; top Lafayette State Bank (#16396) alert scores: Bell County, FL 24 (low); Live Oak County, FL 24 (low); Mayo County, FL 24 (low).