Locality Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $358M | $294M | $287M | $48M | $84K | 0.10% | 0.70% | 3.94% | 1.74% |
| Q4 2025 | $347M | $297M | $269M | $48M | $1M | 0.17% | 1.24% | 3.78% | 1.07% |
| Q3 2025 | $365M | $311M | $249M | $47M | $-289K | -0.26% | -1.87% | 3.65% | 1.10% |
| Q2 2025 | $306M | $250M | $229M | $47M | $182K | -0.21% | -1.51% | 3.63% | 1.11% |
| Q1 2025 | $303M | $255M | $232M | $47M | $-497K | -0.68% | -5.06% | 3.40% | 1.11% |
| Q4 2024 | $281M | $243M | $206M | $32M | $2M | -0.09% | -0.64% | 3.44% | 0.54% |
| Q3 2024 | $256M | $224M | $195M | $30M | $-601K | -1.42% | -10.02% | 3.43% | 0.73% |
| Q2 2024 | $233M | $200M | $165M | $31M | $-1335K | -1.67% | -11.05% | 3.41% | 0.80% |
| Q1 2024 | $203M | $170M | $138M | $32M | $-412K | -0.83% | -5.13% | 3.46% | 0.29% |
| Q4 2023 | $192M | $159M | $129M | $32M | $-390K | -1.58% | -6.85% | 3.47% | 0.00% |
| Q3 2023 | $164M | $130M | $113M | $32M | $-784K | -1.90% | -7.52% | 3.48% | 0.00% |
| Q2 2023 | $131M | $96M | $90M | $33M | $-592K | -1.81% | -6.54% | 3.52% | 0.00% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.