LOCALITY BANK

FORT LAUDERDALE, FL | Small | Est. Jan. 12, 2022, midnight | FDIC #59278 | RSSD #5673191 | FDIC
Latest Report: 2025-12-31

LOCALITY BANK is asn small FDIC-insured commercial bank headquartered in FORT LAUDERDALE, FL, established in Jan. 12, 2022, midnight. As of 2025-12-31, the bank reported total assets of $347M and total deposits of $297M. Profitability stands at 1.29% ROA and 9.69% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 13.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 5.58%. FDIC Certificate #59278.

Assets

$347M

Deposits

$297M

Loans

$274M

Equity

$48M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 9.69%
Net Interest Margin (NIM) 4.17%
Yield on Assets 6.70%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio --
Texas Ratio 5.58%
NPA Ratio 0.85%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 13.79%
Tier 1 Capital 13.79%
Total Capital Ratio 14.48%
Leverage Ratio 14.23%
Loan-to-Deposit 92.13%

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