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
Unfavorable gap of $11.0M · efficiency ratio beats 24% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.60% | 1.01% | 1.45% | Beats 12% | 553 / 629 | |
| Return on Equity | 2.23% | 5.38% | 9.30% | 13.28% | Beats 13% | 549 / 629 | |
| Net Interest Margin | 3.87% | 3.03% | 3.54% | 4.05% | Beats 67% | 206 / 629 | |
| Efficiency Ratio | 79.79% | 58.35% | 67.79% | 79.08% | Beats 24% | 481 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.09% | 0.46% | 1.20% | Beats 18% | 478 / 581 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 431 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.91% | 11.24% | 13.84% | 18.77% | Beats 42% | 363 / 629 | |
| Total Risk-Based Capital Ratio | 12.91% | 11.58% | 14.43% | 19.66% | Beats 38% | 393 / 629 | |
| Equity / Assets | 12.25% | 9.09% | 10.65% | 13.80% | Beats 66% | 215 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 90.62% | 67.24% | 80.90% | 93.48% | 71st pctl | 175 / 594 | |
| Loans / Assets | 79.13% | 53.31% | 67.71% | 78.15% | 79th pctl | 131 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |