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Locality Bank

Fort Lauderdale, FL · Cert 59278

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Locality Bank

Fort Lauderdale, FL · Cert 59278

State charter, non-member · FDIC · 1 branch

Q2 2026

$396.2MAssets
$313.6MLoans
$346.0MDeposits
$48.6MEquity
Loan mix
91%RE $268.2M9%C&I $24.9M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $298.4M14%Noninterest $47.6MQ2 2025Q2 2026

NIM

6.22%Q2 ’246.20%Q2 ’256.29%Q2 ’26+4%+10%

Non-interest income vs. expense

4.17%Q2 ’243.47%Q2 ’253.23%Q2 ’26-19%-3%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #50 of 86 inst. · $0.3B of $348.8B

Executive Summary

  • Earnings: ROA of 0.29%, up 51 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.55% of loans (+44 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 12.91%, down 214 bps from a year ago.
  • Funding: loans stand at 90.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+35 bps YoY

Efficiency Ratio (YTD, annualized)

79.79%-1,025 bps YoY

Tier 1 Leverage Ratio

12.91%-214 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.21%-0.26%0.17%0.10%0.29%+51 bps
Return on Equity-1.51%-1.87%1.24%0.70%2.24%+375 bps
Net Interest Margin3.52%3.74%3.64%3.86%3.87%+35 bps
Efficiency Ratio90.03%86.36%82.74%82.78%79.79%-1,025 bps
Non-Interest Burden3.11%3.15%2.92%3.12%3.03%-8 bps
Growth
Asset Growth (YoY)31.09%42.59%23.50%18.07%29.53%-156 bps
Loan Growth (YoY)39.18%28.71%31.05%23.93%34.73%-445 bps
Deposit Growth (YoY)25.07%38.78%22.20%15.14%38.61%+1,354 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.10%1.07%1.74%1.55%+44 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.12%+12 bps
Allowance / Loans1.76%2.02%1.68%1.74%1.63%-13 bps
Allowance Coverage of NPLs1.6x1.8x1.6x1.0x1.0x-0.5x
Capital
Tier 1 Leverage Ratio15.05%14.91%14.23%13.16%12.91%-214 bps
Total Risk-Based Capital15.05%14.91%14.23%13.16%12.91%-214 bps
Equity / Assets15.34%12.84%13.84%13.45%12.25%-308 bps
Liquidity & Funding
Loans / Deposits93.23%81.78%92.13%99.39%90.62%-261 bps
Liquid Assets / Assets17.71%25.52%16.44%12.21%15.95%-176 bps
CRE / Total Capitaln/a481%509%519%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Locality Bank

Fort Lauderdale, FL · Cert 59278 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$396.2MAssets
$313.6MLoans
$346.0MDeposits
$48.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of banks under $1B in assets (rank 206 of 629).
  • Widest gap: return on assets trails 88% of banks under $1B in assets (rank 553 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.27%

Rank 553 of 629

Net Interest Margin

3.87%

Rank 206 of 629

Efficiency Ratio

79.79%

Rank 481 of 629

Equity / Assets

12.25%

Rank 215 of 629

Non-interest income vs. expense

$0.7M$11.8MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 24% of banks under $1B in assets
Bank 79.79%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%0.60%1.01%1.45%Beats 12%553 / 629
Return on Equity2.23%5.38%9.30%13.28%Beats 13%549 / 629
Net Interest Margin3.87%3.03%3.54%4.05%Beats 67%206 / 629
Efficiency Ratio79.79%58.35%67.79%79.08%Beats 24%481 / 629
Asset Quality
Nonperforming Loans / Loans1.55%0.09%0.46%1.20%Beats 18%478 / 581
Net Charge-Offs / Loans0.06%n/a0.01%0.06%Beats 26%431 / 581
Capital
Tier 1 Capital Ratio12.91%11.24%13.84%18.77%Beats 42%363 / 629
Total Risk-Based Capital Ratio12.91%11.58%14.43%19.66%Beats 38%393 / 629
Equity / Assets12.25%9.09%10.65%13.80%Beats 66%215 / 629
Liquidity & Funding
Loans / Deposits90.62%67.24%80.90%93.48%71st pctl175 / 594
Loans / Assets79.13%53.31%67.71%78.15%79th pctl131 / 629
Brokered Deposits / Depositsn/aNot reported for this institution