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Overview / Commentary
386-294-1901
Main And Lafayette Streets
Mayo, FL 32066

Lafayette State Bank is headquartered in Mayo and is the 144th largest bank in the state of Florida. It is also the 4,846th largest bank in the nation. It was established in 1946 and as of December of 2016, it had grown to 34 employees at 4 locations. Lafayette State Bank has a F health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Lafayette State Bank has a relatively low asset base, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #16396
Year Established1946
Employees34
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.36%
Return on Equity - YTD-35.03%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$74.8MM$80.9MM
LoansQ4 2016vs Q4 2015$52.2MM$55.4MM
DepositsQ4 2016vs Q4 2015$69.0MM$76.8MM
Equity CapitalQ4 2016vs Q4 2015$2.9MM$3.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$816.00K$2.8MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$11.7MM$13.4MM
Real Estate OwnedQ4 2016vs Q4 2015$5.0MM$1.4MM
Rates
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Lafayette State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-5 Year CD
1.01%$1k-2 Year CD
1.01%$1k-3 Year CD
1.01%$1k-4 Year CD
0.76%$250-18 Month Variable CD
0.76%$1k-18 Month CD
0.50%$1k-365 Day CD
0.25%$1k-180-364 Day CD
0.15%$1k-90-179 Day CD

Lafayette State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-5 Year IRA
1.01%$1k-2 Year IRA
1.01%$1k-3 Year IRA
1.01%$1k-4 Year IRA
0.76%$1k-18 Month IRA
0.76%$250-18 Month Variable IRA
0.50%$1k-365 Day IRA
0.25%$1k-180-364 Day IRA
0.15%$1k-90-179 Day IRA
Locations


Lafayette State Bank Locations
Branford Branch103 U S Highway 27 EastBranford, FL 32008
Live Oak Branch106 Grand StreetLive Oak, FL 32064
Bell Office Branch1119 South Main StreetBell, FL 32619
Lafayette State Bank340 West Main StreetMayo, FL 32066