Side-by-side · Q2 2026 data
Edison National Bank vs Locality Bank
Metric by metric
| Measure | Edison National Bank | Locality Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 55 |
| Capital cushion | 40 | 79 (stronger) |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 45 (stronger) | 32 |
| Funding & liquidity | 72 (stronger) | 31 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 34th | 11th |
| Total assets | $453.7M | $396.2M |
| Deposits / shares | $399.0M | $346.0M |
| Capital ratio | 9.03% | 12.91% (stronger) |
| Problem loans | 0.00% (stronger) | 1.55% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 0.61% (stronger) | 0.29% |
| Loans ÷ deposits | 37.0% (stronger) | 89.1% |
| Uninsured deposits | 40.5% (stronger) | 51.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Edison National Bank has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Edison National Bank leads on 6 and Locality Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.