Lafayette State Bank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.26%	5-year CD	5 Year CD 2.25% - Bank of Internet USA 60 Month CD
0.60%	1-year CD	365 Day CD 1.50% - Ally Bank No Penalty 11-Month CD
1.01%	4-year CD	4 Year CD 1.50% - Ally Bank Raise Your Rate 4-Year CD

View all Lafayette State Bank rates »

Overview / Commentary

www.lafayettestatebank.com

386-294-1901

340 West Main Street
Mayo, FL 32066

Lafayette State Bank is headquartered in Mayo and is the 133^rd largest bank in the state of Florida. It is also the 4,710^th largest bank in the nation. It was established in 1946 and as of June of 2017, it had grown to 32 employees at 4 locations. Lafayette State Bank has a F health rating.

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Health

F

Data as of Q2 2017

Learn why bank health matters

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 Established	1946
Employees	32
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.9%
Return on Equity - YTD	-41.23%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$77.9MM$74.8MM
Loans	Q2 2017vs Q2 2016	$52.7MM$53.6MM
Deposits	Q2 2017vs Q2 2016	$72.9MM$71.3MM
Equity Capital	Q2 2017vs Q2 2016	$3.8MM$2.7MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$972.00K$1.6MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$8.5MM$14.1MM
Real Estate Owned	Q2 2017vs Q2 2016	$4.9MM$1.2MM

Rates

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Lafayette State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	5 Year CD
1.01%	$1k	-	4 Year CD
0.85%	$1k	-	2 Year CD
0.85%	$1k	-	3 Year CD
0.76%	$250	-	18 Month Variable CD
0.76%	$1k	-	18 Month CD
0.60%	$1k	-	365 Day CD
0.40%	$1k	-	180-364 Day CD
0.15%	$1k	-	90-179 Day CD

Lafayette State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	5 Year IRA
1.01%	$1k	-	4 Year IRA
0.85%	$1k	-	2 Year IRA
0.85%	$1k	-	3 Year IRA
0.76%	$1k	-	18 Month IRA
0.76%	$250	-	18 Month Variable IRA
0.60%	$1k	-	365 Day IRA
0.40%	$1k	-	180-364 Day IRA
0.15%	$1k	-	90-179 Day IRA

Locations

Lafayette State Bank Locations
Branford Branch	103 U S Highway 27 East	Branford, FL 32008
Live Oak Branch	106 Grand Street	Live Oak, FL 32064
Bell Office Branch	1119 South Main Street	Bell, FL 32619
Lafayette State Bank	340 West Main Street	Mayo, FL 32066