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Overview / Commentary
340 West Main Street
Mayo, FL 32066

Lafayette State Bank is headquartered in Mayo and is the 128th largest bank in the state of Florida. It is also the 4,631st largest bank in the nation. It was established in 1946 and as of September of 2017, 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-1.2%
Return on Equity - YTD-25.81%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$80.6MM$76.7MM
LoansQ3 2017vs Q3 2016$53.3MM$53.3MM
DepositsQ3 2017vs Q3 2016$75.5MM$73.5MM
Equity CapitalQ3 2017vs Q3 2016$3.8MM$2.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$941.00K$841.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$7.4MM$14.9MM
Real Estate OwnedQ3 2017vs Q3 2016$4.4MM$1.8MM
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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