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Overview / Commentary
Main And Lafayette Streets
Mayo, FL 32066

Lafayette State Bank is headquartered in Mayo and is the 146th largest bank in the state of Florida. It is also the 4,919th largest bank in the nation. It was established in 1946 and as of June of 2016, it had grown to 33 employees at 4 locations. Lafayette State Bank has a F health rating.


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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

FDIC Certificate #16396
Year Established1946
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-2.1%
Return on Equity - YTD-53.86%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$74.7MM$85.4MM
LoansQ2 2016vs Q2 2015$53.6MM$57.0MM
DepositsQ2 2016vs Q2 2015$71.3MM$80.9MM
Equity CapitalQ2 2016vs Q2 2015$2.6MM$4.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.6MM$3.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$14.1MM$10.9MM
Real Estate OwnedQ2 2016vs Q2 2015$1.2MM$1.7MM
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Lafayette State Bank CD Rates

1.01%$1k-5 Year CD
0.60%$1k-4 Year CD
0.50%$1k-3 Year CD
0.35%$1k-2 Year CD
0.30%$250-18 Month Variable CD
0.30%$1k-18 Month CD
0.20%$1k-365 Day CD
0.15%$1k-180-364 Day CD
0.10%$1k-90-179 Day CD

Lafayette State Bank IRA Rates

1.01%$1k-5 Year IRA
0.60%$1k-4 Year IRA
0.50%$1k-3 Year IRA
0.35%$1k-2 Year IRA
0.30%$1k-18 Month IRA
0.30%$250-18 Month Variable IRA
0.20%$1k-365 Day IRA
0.15%$1k-180-364 Day IRA
0.10%$1k-90-179 Day IRA

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 BankMain and Lafayette StreetsMayo, FL 32066