| Metric | Lafayette State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +13.5% | +5.6% | +7.9 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $252.2M | $229.0M | $165.5M | $20.5M | $1.4M | 1.13% | 5.35% | 0.24% |
| Q1 2026 | $245.5M | $222.9M | $158.0M | $19.7M | $806K | 1.31% | 5.57% | 0.20% |
| Q4 2025 | $247.4M | $225.2M | $161.8M | $19.3M | $2.7M | 1.13% | 5.11% | 0.24% |
| Q3 2025 | $250.6M | $230.0M | $155.4M | $17.7M | $2.0M | 1.13% | 5.01% | 0.59% |
| Q2 2025 | $243.7M | $225.6M | $145.8M | $16.0M | $1.3M | 1.05% | 4.92% | 0.43% |
| Q1 2025 | $240.3M | $222.5M | $144.9M | $15.5M | $628K | 1.06% | 4.74% | 1.38% |
| Q4 2024 | $232.7M | $216.1M | $140.7M | $14.4M | $2.5M | 1.11% | 4.85% | 1.18% |
| Q3 2024 | $220.6M | $203.7M | $142.6M | $14.9M | $1.8M | 1.07% | 4.79% | 1.23% |
Loan mix (Q2 2026): real estate $137.2M · commercial $17.5M · consumer $10.1M · securities $43.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lafayette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 62.9% | 67th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lafayette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lafayette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lafayette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lafayette State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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