BlastPoint's Banking Scorecard
Locality Bank
Fort Lauderdale, FL
Locality Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.17% below tier average
- - Efficiency Ratio 17.49% above tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$358.0M
+18.1% YoY
+3.1% QoQ
|
-$28.1M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$287.2M
+23.9% YoY
+6.8% QoQ
|
+$31.5M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$294.1M
+15.1% YoY
-1.0% QoQ
|
-$33.9M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
0.10%
+114.0% YoY
-44.1% QoQ
|
-1.17% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.5% in tier |
| Net Interest Margin ? |
3.94%
+16.1% YoY
+4.5% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
82.78%
-12.9% YoY
+0.1% QoQ
|
+17.49% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate ? |
1.77%
+56.2% YoY
+61.8% QoQ
|
+0.88% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 15.0% in tier |
| Loan-to-Deposit Ratio ? |
97.67%
+7.6% YoY
+7.8% QoQ
|
+21.03% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.57%
+11.3% YoY
+22.8% QoQ
|
-7.45% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.42%
+63.9% YoY
+67.7% QoQ
|
+0.78% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.6% in tier |
| Tier 1 Capital Ratio ? |
13.16%
-17.1% YoY
-7.5% QoQ
|
-2.67% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.08%
+14.6% YoY
-79.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.