FDIC Cert #59278 · Fort Lauderdale, Florida · Est. 2022

Locality Bank - FDIC Bank Health Profile

A community-scale look at Locality Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$347M
Total assets
C
Health grade · Fair
0.17%
Return on assets
14.2%
Tier 1 capital

Data updated July 2026

The verdict

Locality Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 14.23% Tier 1, 0.17% ROA, 83% efficiency ratio.

#2,291
largest of 4,313 FDIC banks by assets
47th
percentile by asset size, nationally
14.23%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 59278 · FL C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3899/4307
  • PHOTO-FINISH Live Oak Banking Com… · NC
  • TIER1-WELL 14.2% Tier 1
  • TEXAS-CLEAN 5.6% Texas
  • ROA-THIN 0.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Live Oak Banking Company, NC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Locality Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Commerce · OK · near58/100Highlands Community… · VA · …58/100Live Oak Banking Com… · NC ·…58/100Locality Bank · FL · this ba…58/100Patriot Bank · TN · near58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Locality Bank · July 2026

Call Report read for Locality Bank in a high-failure state

Locality Bank (FDIC Cert #59278) carries a PlainBankData health grade of C at 58/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,899 of 4,307. Tier 1 capital prints at 14.23%, clearing the 10% well-capitalized line. The Texas Ratio is 5.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.17%. Balance-sheet scale is $347M, 2,291st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Live Oak Banking Company (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Locality Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Locality Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Locality Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Locality Bank's 58/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10058/100
Locality Bank's composite health score
Tier 1 Capital Ratio (14.23%) 35/40
Return on Assets (ROA) (0.17%) 7/25
Texas Ratio (5.58%) 16/20
Efficiency Ratio (82.74%) 0/15

58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$347M

Total balance-sheet footings

Total Deposits

$297M

Customer-funded liabilities

Net Loans

$269M

Outstanding loan book

Net Income

$546K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.83% 14.23% 15.63%
Basel III capital ratios - Locality Bank

Where Locality Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Locality Bank's score of 58/100 falls in the highlighted band.

Locality Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 9th percentile higher than 9% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Locality Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Locality Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Locality Bank's $347M falls in the highlighted band.

Capital & credit buffers at Locality Bank

Tier 1 capital ratio
Well-capitalized 10%

14.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.23%
Texas Ratio
5.58%
Equity Capital
$48M

What these ratios mean →

Profitability metrics: Locality Bank

Return on Assets (ROA)
8th percentile nationally
0.17%
Return on Equity (ROE)
1.24%
Efficiency Ratio
82.74%

What these mean →

Income & expense at Locality Bank

$20M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Locality Bank reports a Texas Ratio of 5.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Locality Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($347M here), outside Florida so the neighborhood is not state containment.

Generations Bank $347M · NY American State Bank $348M · IA Citizens Deposit Bank of Arlington, I… $348M · KY Ozark Bank $347M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Locality Bank (FDIC Cert #59278) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Locality Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%