Bank · FDIC insured
Locality Bank
A $396.2M bank headquartered in Fort Lauderdale, FL, with 2 branches in Florida. Best rates: CDs 3.65% and savings 2.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.65%CD rates →
- Savings882.20%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Locality Bank
Locality Bank is headquartered in Fort Lauderdale, Florida.
The community bank focuses on serving local businesses, entrepreneurs, and residents.
- Headquarters
- 1400 S Andrews Ave, Fort Lauderdale, FL 33316
- FDIC certificate
- 59278 ↗
Branches
2 branches in Florida
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Florida
2 branches
- Locality BankMain office1400 S Andrews Ave, Fort Lauderdale, FL 33316Directions
- Venture X Branch1489 W Palmetto Park Rd, Boca Raton, FL 33486Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.91% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.55% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio12.91%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.55%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Locality Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.