The Bank of LaFayette, Georgia
La Fayette, GA
IDRSSD: 944739
Total Assets
$448.31M
Latest filing
Total Deposits
$377.88M
Latest filing
Net Interest Margin
2.95%
Profitability
Key People
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Locations
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Main Office
The Bank of LaFayette, Georgia
101 W Patton St
La Fayette, GA 30728
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/18/1899FDIC Certificate 5916
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Bank of LaFayette, Georgia (Main) | 101 W Patton St | La Fayette, GA |
| WEST MAIN-CHATTANOOGA BRANCH | West Main And Chattanooga Streets | Lafayette, GA |
| ROCK SPRING BRANCH | U.S. Highway 27 And Georgia Highway 95 | Rock Spring, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/18/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30728 |
| State and County Number | 13295 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankoflafayette.com |
| Data Updated | 01/30/2026 |
| CERT | 9245 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $448.31M |
| Total Deposits | $377.88M |
| Total Liabilities | $430.33M |
| Total Equity Capital | $17.97M |
| Net Income | $292.00k |
| Net Loans and Leases | $171.39M |
| Assets Per Employee ($Millions) | $8.46M |
| Bank Premises and Fixed Assets | $1.00M |
| Cash and Balances due from Depository Institutions | $30.68M |
| Deposits Held in Domestic Offices | $377.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.27% |
| Return on Equity (ROE) | 6.56% |
| Net Interest Margin | 2.95% |
| Efficiency Ratio | 58.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 4.009% |
| Earning Assets to total Assets | 94.77% |
Income and Expense
| Total Interest Income | $4.63M |
| Total Noninterest Income | $319.00k |
| Total Interest Expense | $1.64M |
| Total Noninterest Expense | $1.94M |
| Net Interest Income | $2.99M |
| Pre-tax Net Operating Income | $1.22M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $49.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.20M |
| Federal Funds Purchased and Repurchased Agreement | $1.45M |
| All Other Liabilities | $1.51M |
| Total Liabilities and Capital | $448.31M |
Securities
| Securities | $223.18M |
| Available-for-sale debt securities | $221.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.29M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank of LaFayette, Georgia?
$448.31M as of the latest filing.
How much are The Bank of LaFayette, Georgia's total deposits?
$377.88M in total deposits.
Where is The Bank of LaFayette, Georgia located?
La Fayette, GA.
What is the Net Interest Margin?
2.95%.
How many domestic offices does it operate?
3.
When was it established?
07/18/1899.
What is the Return on Assets (ROA)?
0.27%.
How much are total loans and leases?
$171.39M (latest filing).
What is the total interest income (latest filing)?
$4.63M.