Side-by-side · Q2 2026 data
BankFlorida vs Locality Bank
Metric by metric
| Measure | BankFlorida | Locality Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 55 |
| Capital cushion | 76 | 79 (stronger) |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 70 (stronger) | 32 |
| Funding & liquidity | 22 | 31 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 61st | 11th |
| Total assets | $459.5M | $396.2M |
| Deposits / shares | $388.9M | $346.0M |
| Capital ratio | 12.58% | 12.91% (stronger) |
| Problem loans | 0.00% (stronger) | 1.55% |
| Net charge-offs | -0.07% (stronger) | 0.13% |
| Return on assets | 1.25% (stronger) | 0.29% |
| Loans ÷ deposits | 87.8% (stronger) | 89.1% |
| Uninsured deposits | 59.9% | 51.3% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BankFlorida has the higher TellerScore (75 vs 55). On the 7 directional measures above (where higher or lower is clearly better), BankFlorida leads on 5 and Locality Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.