E
Locality Bank
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Locality Bank
Fort Lauderdale, FL
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Rating E
Asset Quality Index 5.80
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 0.00
Stability Index 0.00
Company Info Locality Bank
Fort Lauderdale, FL
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FDIC Number 59278
Phone Number (954) 799-0900
Website localitybank.com
Asset Quality Locality Bank
Fort Lauderdale, FL
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1-Year Asset Growth 49.32%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 4.93%
Non-Performing Loans to Loans 1.11%
Balance Sheet Locality Bank
Fort Lauderdale, FL
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Total Assets 303.21M
Total Deposits 255.39M
Capital and Reserves Locality Bank
Fort Lauderdale, FL
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Capital 46.57M
Leverage Ratio 15.88
Loan Loss Reserves to Loans 1.69%
Risk-Based Capital Ratio --
Liquidity Locality Bank
Fort Lauderdale, FL
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Hot Money Ratio 8.97%
Liquidity Ratio 24.68%
Profitability Locality Bank
Fort Lauderdale, FL
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5-Year Return on Average Assets --
Net Income -497.00K
Net Interest Spread 3.48%
Operating Profit to Average Assets -0.92%
Overhead Efficiency Ratio 95.01%
Return on Assets -0.71%
Return on Equity -5.06%