🏦Bank Scorer

THE BANK OF LAFAYETTE, GEORGIA

LA FAYETTE, GA · Supervised by FDIC

Est. 1899FDIC #9,245RSSD: FDIC-9245
Part ofLAFAYETTE BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

101 W Patton St, LA FAYETTE, GA

County

Walker County

Established

July 18, 1899

Total Assets

$452M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$452M

Total Deposits

$387M

Net Loans

$174M

Net Income

$1M

ROA

0.92%

ROE

23.61%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.20%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$370M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412986.82%6.20%
202317291.28%3.49%
202217286.63%8.72%
202116384.05%9.20%
202016983.43%9.47%
201919484.02%9.28%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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