Locality Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 8.77 percentage points in Q2 2026, from 99.39% to 90.62%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Locality Bank is 66th of 79 on return on assets, 0.50% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Locality Bank reported 0.50% on return on assets in Q2 2026, 0.75 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.91% |
| Equity capital to assets | 12.25% |
| Tangible equity to tangible assets | 12.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.23% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 9.08% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 104.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 3.78% |
| Net interest margin | 4.04% |
| Efficiency ratio | 76.83% |
| Yield on earning assets | 6.58% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.62% |
| Core deposits to total deposits | 84.34% |
| Brokered deposits to total deposits | 13.07% |
| Deposits to assets | 87.32% |
| Securities to assets | 3.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.03% | -2.21% | 3.64% | 0.00% | 0.00% |
| Q4 2023 | 18.78% | -0.91% | 3.60% | 0.00% | 0.00% |
| Q1 2024 | 17.01% | -0.88% | 3.62% | 0.29% | 0.00% |
| Q2 2024 | 14.94% | -2.60% | 3.60% | 0.80% | 0.00% |
| Q3 2024 | 13.18% | -1.05% | 3.64% | 0.73% | 0.00% |
| Q4 2024 | 11.66% | 3.29% | 3.48% | 0.54% | 0.00% |
| Q1 2025 | 15.88% | -0.71% | 3.48% | 1.11% | 0.00% |
| Q2 2025 | 15.05% | 0.24% | 3.82% | 1.11% | 0.00% |
| Q3 2025 | 14.91% | -0.38% | 4.20% | 1.10% | 0.00% |
| Q4 2025 | 14.23% | 1.41% | 4.23% | 1.07% | 0.00% |
| Q1 2026 | 13.16% | 0.10% | 3.88% | 1.74% | 0.00% |
| Q2 2026 | 12.91% | 0.50% | 4.04% | 1.55% | 0.26% |
Locality Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Locality Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Locality Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59278) · FFIEC NIC profile (RSSD 5673191)