Lafayette State Bank: Bank Stress & Real-Estate Credit Exposure

At 74/100, Lafayette State Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #16396. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its lending reaches counties such as Suwannee County, FL, Gilchrist County, FL, Lafayette County, FL, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Lafayette State Bank's 74/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Because Lafayette State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar maps Lafayette State Bank into 3 counties (15 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Florida (3 counties). Because Lafayette State Bank is held under Lafayette Banking Co, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Lafayette State Bank in isolation: the 15-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The combination of a elevated reading and a compact footprint is what makes Lafayette State Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Lafayette State Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.