Locality Bank is a state-chartered bank headquartered in Fort Lauderdale, Florida. At the end of Q2 2026 it reported $396.2M in total assets and $346.0M in deposits, with 2 offices.
Locality Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 74th. Problem-loan coverage contributes the most (82/100, 9.1%); funding & liquidity contributes the least (31/100, 89% loans-to-deposits, 51% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (65 → 55), mostly because the capital cushion component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 51 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.94% |
| Q3 2024 | 13.18% |
| Q4 2024 | 11.66% |
| Q1 2025 | 15.88% |
| Q2 2025 | 15.05% |
| Q3 2025 | 14.91% |
| Q4 2025 | 14.23% |
| Q1 2026 | 13.16% |
| Q2 2026 | 12.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.54% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.67% |
| Q3 2024 | -1.42% |
| Q4 2024 | -0.09% |
| Q1 2025 | -0.68% |
| Q2 2025 | -0.21% |
| Q3 2025 | -0.26% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $396.2M | 12.91% | 1.55% | 0.29% | 89.1% |
| Q1 2026 | 51 | $358.0M | 13.16% | 1.74% | 0.10% | 97.7% |
| Q4 2025 | 63 | $347.3M | 14.23% | 1.07% | 0.17% | 90.6% |
| Q3 2025 | 64 | $364.7M | 14.91% | 1.10% | -0.26% | 80.1% |
| Q2 2025 | 65 | $305.9M | 15.05% | 1.11% | -0.21% | 91.6% |
| Q1 2025 | 62 | $303.2M | 15.88% | 1.11% | -0.68% | 90.8% |
| Q4 2024 | 62 | $281.2M | 11.66% | 0.54% | -0.09% | 84.6% |
| Q3 2024 | 61 | $255.8M | 13.18% | 0.73% | -1.42% | 86.8% |
| Q2 2024 | 65 | $233.3M | 14.94% | 0.80% | -1.67% | 82.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central BankBank Tampa, FL | 63 out of 100, Moderate | $386.8M | 9.1% | 0.04% | vs |
| Waterfall BankBank Clearwater, FL | 61 out of 100, Moderate | $409.9M | 12.6% | 0.03% | vs |
| TCM Bank, National AssociationBank Tampa, FL | 57 out of 100, Moderate | $382.4M | 18.3% | 0.93% | vs |
| Paradise BankBank Boca Raton, FL | 75 out of 100, Strong | $415.2M | 8.8% | 0.05% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| The First National Bank of Mount DoraBank Mount Dora, FL | 77 out of 100, Strong | $358.0M | 12.3% | 0.41% | vs |
Deposit insurance
Is my money safe at Locality Bank?
Yes. Locality Bank is an FDIC-insured institution (FDIC certificate #59278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 51.3% of deposits ($177.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Locality Bank lists 2 offices in 2 cities. Most locations:
Identity & history
Profile
- Legal name
- Locality Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59278
- RSSD ID
- 5673191
- Primary regulator
- FDIC
- Holding company
- Locality Bancshares Inc
- Established
- January 12, 2022
- Headquarters
- 1400 S Andrews Ave, Fort Lauderdale, FL 33316
- Website
- www.localitybank.com
- Employees
- 39
Quick answers
Locality Bank: common questions
Is Locality Bank FDIC insured?
Yes. Locality Bank is an FDIC-insured institution (FDIC certificate #59278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Locality Bank's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Locality Bank ever failed?
There is no failure record for FDIC certificate #59278 in the FDIC failed bank list.
How many branches does Locality Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Lauderdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |