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Overview / Commentary
340 West Main Street
Mayo, FL 32066

Lafayette State Bank is headquartered in Mayo and is the 126th largest bank in the state of Florida. It is also the 4,568th largest bank in the nation. It was established in 1946 and as of December of 2017, it had grown to 34 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-1.07%
Return on Equity - YTD-23.22%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$82.1MM$74.8MM
LoansQ4 2017vs Q4 2016$53.5MM$52.2MM
DepositsQ4 2017vs Q4 2016$75.8MM$69.0MM
Equity CapitalQ4 2017vs Q4 2016$3.6MM$2.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$526.00K$816.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.6MM$11.7MM
Real Estate OwnedQ4 2017vs Q4 2016$5.8MM$5.0MM
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Lafayette State Bank CD Rates

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

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

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