E
Locality Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.91
Return On
Assets
0.30%
Total
Assets
396.24M
Capital
48.55M
Total
Deposits
346.02M
Net
Income
541.00K
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Weiss Ratings Locality Bank
Fort Lauderdale, FL 		Click to
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Rating E
Asset Quality Index 4.60
Capitalization Index 10.00
Liquidity Index 1.20
Profitability Index 1.90
Stability Index 0.00
Company Info Locality Bank
Fort Lauderdale, FL 		Click to
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FDIC Number 59278
Phone Number (954) 799-0900
Website localitybank.com
Asset Quality Locality Bank
Fort Lauderdale, FL 		Click to
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1-Year Asset Growth 29.53%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 1.17%
Non-Performing Loans to Capital 8.90%
Non-Performing Loans to Loans 1.55%
Balance Sheet Locality Bank
Fort Lauderdale, FL 		Click to
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Total Assets 396.24M
Total Deposits 346.02M
Capital and Reserves Locality Bank
Fort Lauderdale, FL 		Click to
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Capital 48.55M
Leverage Ratio 12.91
Loan Loss Reserves to Loans 1.63%
Risk-Based Capital Ratio --
Liquidity Locality Bank
Fort Lauderdale, FL 		Click to
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Hot Money Ratio 3.63%
Liquidity Ratio 22.60%
Profitability Locality Bank
Fort Lauderdale, FL 		Click to
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5-Year Return on Average Assets --
Net Income 541.00K
Net Interest Spread 3.96%
Operating Profit to Average Assets 0.44%
Overhead Efficiency Ratio 79.79%
Return on Assets 0.30%
Return on Equity 2.24%