Total Assets
$448M
Total balance-sheet footings
FDIC Cert #9245 · La Fayette, Georgia · Est. 1899
The Bank of LaFayette, Georgia - FDIC Bank Health Profile
A community-scale look at The Bank of LaFayette, Georgia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $448M
- Total assets
- C
- Health grade · Fair
- 0.84%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of LaFayette, Georgia earns a PlainBankData health grade of C (60/100), with 9.57% Tier 1 capital, 0.84% ROA, efficient (56% cost ratio).
- #1,927
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 9.57%
- Tier 1 ratio - below the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Bank of LaFayette, Georgia's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of LaFayette, Georgia's composite health score
Tier 1 Capital Ratio (9.57%) 18/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (7.73%) 16/20
Efficiency Ratio (56.37%) 12/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$378M
Customer-funded liabilities
Net Loans
$171M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of LaFayette, Georgia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of LaFayette, Georgia's score of 60/100 falls in the highlighted band.
The Bank of LaFayette, Georgia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of LaFayette, Georgia's $448M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.57% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.57%
Texas Ratio
7.73%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
27.22%
Efficiency Ratio
56.37%
What the numbers say about The Bank of LaFayette, Georgia
The Bank of LaFayette, Georgia is an FDIC-insured institution (Certificate #9245) headquartered in La Fayette, Georgia, established in 1899. It holds $448M in total assets - 1,927th of 4,313 FDIC-insured banks, $378M in customer deposits, and $171M in net loans. Its capital position: a Tier 1 ratio of 9.57%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.73% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of LaFayette, Georgia sits 43rd of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$18M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of LaFayette, Georgia reports a Texas Ratio of 7.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of LaFayette, Georgia (FDIC Cert #9245) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is The Bank of LaFayette, Georgia's health grade?▼
The Bank of LaFayette, Georgia receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Bank of LaFayette, Georgia?▼
The Bank of LaFayette, Georgia holds $448M in total assets and $378M in deposits, ranking 1,927th of 4,313 FDIC-insured banks by asset size. It is headquartered in La Fayette, Georgia.
Is my money safe at The Bank of LaFayette, Georgia?▼
Yes, deposits at The Bank of LaFayette, Georgia (Certificate #9245) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of LaFayette, Georgia's Tier 1 Capital Ratio?▼
The Bank of LaFayette, Georgia has a Tier 1 Capital Ratio of 9.57%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Bank of LaFayette, Georgia?▼
The Bank of LaFayette, Georgia has a Texas Ratio of 7.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of LaFayette, Georgia?▼
The Bank of LaFayette, Georgia has an Efficiency Ratio of 56.37%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of LaFayette, Georgia's profile as a depositor or analyst.
- The Bank of LaFayette, Georgia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of LaFayette, Georgia against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.