Locality Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Locality Bank of Fort Lauderdale, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.50% | 1.34% | -0.84% | 13th bottom |
| ROAE | 3.78% | 13.32% | -9.54% | 11th bottom |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 55th above |
| Efficiency Ratio | 76.83% | 61.13% | +15.70% | 17th bottom |
| PPNR / Avg Assets | 0.94% | 1.68% | -0.74% | 19th bottom |
| Yield on Earning Assets | 6.58% | 5.67% | +0.91% | 89th top |
| Cost of Funds | 2.90% | 1.88% | +1.02% | 7th bottom |
| Net Interest Spread | 3.33% | 3.32% | +0.01% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.94% | +0.61% | 17th bottom |
| NPA / Total Assets | 1.23% | 0.70% | +0.53% | 15th bottom |
| NCO / Avg Loans | 0.26% | 0.16% | +0.10% | 10th bottom |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 104.81% | 1539.27% | -1434.46% | 29th below |
| Texas Ratio | 9.08% | 7.33% | +1.75% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 357.95% | 1396.09% | -1038.14% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.91% | 12.14% | +0.77% | 74th above |
| Equity / Assets | 12.25% | 11.37% | +0.88% | 73rd above |
| TCE / Tangible Assets | 12.24% | 11.09% | +1.15% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.62% | 80.63% | +9.99% | 27th below |
| Core Deposit Ratio | 84.34% | 86.86% | -2.52% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 29.53% | 6.84% | +22.69% | 97th top |
| Loan Growth (Y/Y) | 34.73% | 7.89% | +26.84% | 98th top |
| Deposit Growth (Y/Y) | 38.61% | 6.28% | +32.33% | 98th top |
See Locality Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Locality Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Locality Bank profile, how to read a UBPR, or how this data updates.