Compared with Florida
3 of 18
compared fees are above the median.
9 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
4th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 18 compared; 9 below, 6 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Locality Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Locality Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.3% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (4th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $12K in Q2 2026, 100% above the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 18 compared published fees sit above the Florida median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Florida medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 33% from Q3 2025 to Q2 2026, to $12K. Its share of revenue, 0.3%, is below the 2.1% median for banks with $300M to $1B in assets.
$12K
Locality BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Locality Bank · $396M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Locality Bank(this institution) | Fort Lauderdale, FL | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ascendia Bank | Glen Rock, NJ | $395M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Balboa Thrift and Loan Association | Chula Vista, CA | $394M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of St. Francisville | Saint Francisville, LA | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Big Horn Federal Savings Bank | Greybull, WY | $400M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Bank of Santa Maria | Santa Maria, CA | $397M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Farmers State Bank | Center, TX | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Iowa State Bank | Albia, IA | $396M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Secure Bank and Trust Co. | Palos Hills, IL | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Irvington, KY | $402M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Grant County State Bank | Swayzee, IN | $396M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Great Plains State Bank | Petersburg, NE | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| GreenWay Bank | Van Wert, OH | $402M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples State Bank of Hallettsville | Hallettsville, TX | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Trust Company of St. Albans | Saint Albans, VT | $395M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pony Express Bank | Braymer, MO | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Bank of Glen Burnie | Glen Burnie, MD | $395M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Citizens National Bank of Park Rapids | Park Rapids, MN | $397M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Clinton National Bank | Clinton, IA | $396M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Community State Bank | Poteau, OK | $393M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First Citizens National Bank of Upper Sandusky | Upper Sandusky, OH | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Community Bank | Mazomanie, WI | $389M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Security National Bank of Enid | Enid, OK | $400M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Shelby State Bank | Shelby, MI | $397M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TrustTexas Bank, SSB | Cuero, TX | $393M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Universal Bank | West Covina, CA | $388M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.75 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Locality Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Locality Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 18 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $12K | $0 | 0.0% |
| Q1 2026 | $12K | −$4K | −25.0% |
| Q4 2025 | $16K | +$7K | +77.8% |
| Q3 2025 | $9K | +$3K | +50.0% |
| Q2 2025 | $6K | +$1K | +20.0% |
| Q1 2025 | $5K | +$1K | +25.0% |
| Q4 2024 | $4K | +$2K | +100.0% |
| Q3 2024 | $2K | +$1K | +100.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Locality Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Locality Bank by share.
Amounts from Locality Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Monthly | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds / Overdrafts | $18Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card - Expedited Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic - Outgoing Wire (online) | $12Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic – Outgoing Wire (banker assisted) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic - Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Intl Wire Transfer – Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Intl Wire Transfer – Incoming | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check Issued | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (3 per page) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Check Cashing | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item -Canadian | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item -Domestic | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item – Foreign | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Batch / File Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Return Item | $8Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Loose Coin Ordered (per bag) | $15Above the U.S. middle 50% ($0 to $2 nationally) | per item | None |
| Returned Deposited Items | $12Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Locality Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $346.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $346.0M |
Miami-Fort Lauderdale-West Palm Beach, FL
0.1% of bank deposits, #50 of 86, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 12.5% |
| Wells Fargo Bank, National Association | 10.7% |
| Citibank, National Association | 6.4% |
| Truist Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2022 to 2026. Deposits are booked at the branch as of June 30.
In Miami-Fort Lauderdale-West Palm Beach, FL, Locality Bank holds 0.1% of bank deposits, #50 of 86, with 1 office.
900 offices of 25 institutions shown.
Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 86 institutions shown. $348.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2022 to 2026
June 2026: 0.1% share, 1 office, #50 of 86
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2022 to 2026.
Credit unions, reported separately
173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.