BlastPoint's Banking Scorecard
Locality Bank
Fort Lauderdale, FL
2 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +38.6% year over year ($346.0M on the books).
- Delinquency rate 1.58%.
- Return on assets 0.29%.
- Efficiency ratio 79.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Locality Bank faces 4 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 1.03% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 15.31% above tier average
- - Delinquency Rate 0.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.2M
+29.5% YoY
+10.7% QoQ
|
+$9.7M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$308.5M
+34.9% YoY
+7.4% QoQ
|
+$50.1M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$346.0M
+38.6% YoY
+17.7% QoQ
|
+$19.3M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
0.29%
+238.8% YoY
+209.3% QoQ
|
-1.03% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.3% in tier |
| Net Interest Margin ? |
3.93%
+8.1% YoY
-0.4% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
79.79%
-11.4% YoY
-3.6% QoQ
|
+15.31% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate ? |
1.58%
+40.0% YoY
-10.8% QoQ
|
+0.66% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
89.15%
-2.7% YoY
-8.7% QoQ
|
+11.19% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
13.75%
-11.2% YoY
-5.6% QoQ
|
-8.28% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.23%
+45.8% YoY
-13.5% QoQ
|
+0.56% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.91%
-14.2% YoY
-1.9% QoQ
|
-3.00% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.09%
-47.2% YoY
+13.3% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.8%
-1.7pp YoY -0.8pp QoQ |
-8.4pp | 22.1% | 27.7% | 22.2% | 19% |
| Brokered Deposits |
13.1%
+2.6pp YoY +3.1pp QoQ |
+5.2pp | 7.9% | 8.7% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
-5.8pp YoY -1.4pp QoQ |
-4.2pp | 11.6% | 12.9% | 12.5% | 35% |
| CRE |
85.2%
+4.7pp YoY +1.8pp QoQ |
+45.7pp | 39.5% | 50.6% | 41.4% | 99% |
| 1-4 Family |
9.1%
+1.1pp YoY -0.6pp QoQ |
-23.5pp | 32.6% | 30.7% | 31.3% | 10% |
| Consumer | n/a | n/a | 4.1% | 3.7% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-2.1pp YoY -0.3pp QoQ |
+0.7pp | 12.2% | 13.9% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
0 YoY +2 (+5.4%) QoQ |
-20 | 58 | 295 | 482 | 40% |
| Assets per Employee ($) |
$10.2M
+29.5% YoY +5.0% QoQ |
+$2.6M | $7.5M | $10.3M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.5pp YoY -0.2pp QoQ |
+0.6pp | 0.9% | 0.7% | 1.0% | 83% |
| Allowance Coverage |
1.05x
-34.1% YoY +5.0% QoQ |
-23.11x | 24.15x | 16.62x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | 0.1% | 0.0pp | 0.1% | 0.2% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
+3.8pp YoY +1.5pp QoQ |
-10.0pp | 12.2% | 9.3% | 11.6% | 7% |
| Cost of Funds (YTD) |
2.5%
-0.3pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 89% |
| Net Income ($, YTD) |
$541,000
+271.7% YoY — QoQ |
-$2.0M | $2.6M | $25.2M | $40.4M | 12% |
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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.