BlastPoint's Banking Scorecard
Locality Bank
Micro
Specialty: Commercial
FL
FDIC cert 59278
Designations: ✓ Community bank
Fort Lauderdale, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Locality Bank faces 1 concern 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 0.91% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.3M
+23.5% YoY
-4.8% QoQ
|
+$129.8M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$269.0M
+30.9% YoY
+7.8% QoQ
|
+$129.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$296.9M
+22.2% YoY
-4.6% QoQ
|
+$113.3M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.17%
+296.6% YoY
+166.4% QoQ
|
-0.91% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.78%
+9.7% YoY
+3.3% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
82.74%
-22.1% YoY
-4.2% QoQ
|
+15.01% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.09%
+99.5% YoY
-2.3% QoQ
|
+0.45% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
90.58%
+7.1% YoY
+13.1% QoQ
|
+16.05% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.86%
-12.2% YoY
-19.9% QoQ
|
-10.53% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.85%
+111.4% YoY
+10.7% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
+34.8% YoY
+63.2% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Loans
Current: $269.0M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $296.9M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $347.3M · Tier avg: $217.5M
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.58% · Tier avg: 74.53%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
16
16th pctile
Efficiency Ratio
Current: 82.74% · Tier avg: 67.73%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.86% · Tier avg: 22.39%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.86% · Tier avg: 22.39%
16
16th pctile
Efficiency Ratio
Current: 82.74% · Tier avg: 67.73%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.58% · Tier avg: 74.53%
80
80th pctile
Total Assets
Current: $347.3M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $296.9M · Tier avg: $183.7M
88
88th pctile
Total Loans
Current: $269.0M · Tier avg: $139.2M