Bank of Lafayette Georgia
La Fayette, Georgia · FDIC Cert #9245
This is the FDIC profile for Bank of Lafayette Georgia, an FDIC-insured bank (Certificate #9245) with $407M in total assets and $368M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in La Fayette, Georgia, the bank maintains a Tier 1 capital ratio of 9.01% (Well-Capitalized) and a nonperforming loan ratio of 0.67%. BankHealthData assigns a composite Health Grade of B (76/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Lafayette Georgia (FDIC cert 9245) is a community bank — $407M in total assets, $368M in deposits, serving the La Fayette, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.01% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.67% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 56.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.05% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Lafayette Georgia carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Lafayette Georgia
- Total Assets
- $407M
- Total Deposits
- $368M
- Tier 1 Capital Ratio
- 9.01%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.67%
- Liquidity Ratio
- 56.00%
- Return on Assets
- 1.05%
- Headquarters
- La Fayette, Georgia
- FDIC Certificate
- #9245
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Lafayette Georgia files quarterly Call Reports with the FDIC under Certificate #9245. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Lafayette Georgia holds a Tier 1 capital ratio of 9.01%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Lafayette Georgia has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Lafayette Georgia shows strong financial health indicators. With $407M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Lafayette Georgia Compares
Bank of Lafayette Georgia’s Health Score of 76 is 7 points below the Georgia state average of 83 across 123 FDIC-insured banks. Its 9.01% Tier 1 capital ratio is 5.0 points below the US banking industry average near 14%. The 0.67% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.05% is below the national ROA benchmark of ~1.1%. Among 1535 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Bank of Lafayette Georgia is 4 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Lafayette Georgia has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.01%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Lafayette Georgia's Tier 1 capital ratio of 9.01% and nonperforming loan ratio of 0.67% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Lafayette Georgia is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9245). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Lafayette Georgia holds $407M in total assets and $368M in total deposits. It is headquartered in La Fayette, Georgia (FDIC Certificate #9245).
Bank of Lafayette Georgia's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #9245 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Lafayette Georgia has a Tier 1 capital ratio of 9.01%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.67%, and the return on assets is 1.05%.
Yes. Bank of Lafayette Georgia is FDIC-insured (Certificate #9245). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Lafayette Georgia's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.