Three years ago, we opened with $0 and a mission to build a better bank for local businesses. Last month, we were named South Florida’s #1 Fastest-Growing Company (under $25M). Earlier this year, we graduated from the FDIC’s three-year startup phase, which our Co-Founder Corey

Your business doesn’t need to be big to be targeted by scammers. That’s why we created a Cybersecurity & Fraud Prevention Checklist just for local businesses, no jargon, no panic, just practical steps. Learn how to spot scams, lock down your systems, and act swiftly if

70% balloon payments coming due in 2025. That means most Main Street Loan borrowers will face one large lump sum at once. Planning early gives you more flexibility and peace of mind. 👉 See how to prepare: hubs.ly/Q03GVWfw0 Member FDIC #banklocal #localbank #localitybank

Relationships matter most when challenges arise. As Keith Costello, our Co-Founder & CEO, shared on the Making Bank podcast: "People don't necessarily value a bank relationship until they have a problem... We take a lot of our relationships for granted until you really need

Every business has a wish list. But a smart strategy starts with what’s real. What’s working in your business? What’s next for you? What’s missing that’s holding you back? We’re here to talk it through. No pressure. Just honest insight. Start the conversation:

Every business owner should feel confident in safeguarding what they've built. Our new Cybersecurity & Fraud Prevention Checklist makes that possible, with simple steps and real protection. Spot red flags, secure your accounts, and stay one step ahead. Grab your guide here:

When Zeina Zein-Wolland had the idea for Mobile School Pantry, there was nothing like it in Florida. She saw the need, did the research, and got to work, leaning on her community and her own grit to launch what’s now a trusted resource for local families. Hear how it all began,

For many business owners, a balloon payment feels like one big bill all at once. The good news: you have options. From refinancing to restructuring, planning ahead lets you choose the path that works best for your cash flow. Learn more: hubs.ly/Q03GVWfw0 Member FDIC

"Caring. Attentive. Resolution." That’s how private investor Brian Gaines describes his experience with Locality Bank. For us, there’s no higher compliment. Every relationship is built on listening, showing up, and finding solutions that move businesses forward. Listen to full

Scammers don’t care how small your business is; they go for the vulnerable. Here’s something that helps. Our Cybersecurity & Fraud Prevention Checklist translates protection into action. Check out our checklist: hubs.ly/Q03GHxyV0 Member FDIC #banklocal #localbanking

Growth isn’t just about funding; it’s about strategy. As Zeina Zein-Wolland shared on Making Bank, expanding Mobile School Pantry meant surrounding herself with the right board, telling the story with clarity, and proving the impact. That combination helped them not only secure

The SBA loan process is notoriously complex. With Locality + Parlay, AI now handles the heavy lifting so that you can get to “yes” faster. Member FDIC #localitybank #parlay #finance #banking #loanintelligencesystem #sbalending #ai #digitalbanking #banklocal #localbank

Inside the old Riggs Bank building, there’s no money. Only stories now. That’s what Keith Costello, CEO of Locality Bank, discovered at the Milken Institute’s Center for the American Dream in Washington, D.C. It wasn’t a vault. It was a reminder: the American Dream lives in

Purpose. Partnerships. Persistence. People. That’s how Zeina Zein-Wolland leads Mobile School Pantry, and how she keeps pushing forward even when the “nos” pile up. It’s a powerful reminder that at the center of every nonprofit are the people you serve and the team that believes

Running a business means a hundred little things can pop up in a day. Some big, some small, but all of them matter when it’s your livelihood on the line. One of our clients needed to sell a piece of equipment fast. All it took was a quick call, and the issue was cleared so he

“Your money’s in Joe’s house, right next to yours...” Keith Costello, CEO of Locality Bank, calls it his favorite line from It’s a Wonderful Life. Because banking isn’t about vaults. It’s about neighbors, families, and the dreams they’re building. See the full quote and more in

Looking to buy a business, expand operations, or fuel your next stage of growth? Join us on Thursday, October 23 | 11 AM – 12 PM at Venture X Boca Raton for Access to Capital Made Simple: SBA Strategies for Growth & Expansion. Seats are limited, save yours today →

For us, SBA lending is personal. It’s about more than loans; it’s about fueling growth, creating jobs, and strengthening communities. That’s why we’ve partnered with Parlay Finance to fix what’s broken in SBA intake and underwriting. With AI-powered onboarding, we’re delivering

Chop Wood, Carry Water. Ryan Day, head football coach at Ohio State, uses this book to remind his team: love the process, not just the score. For business owners, that lesson feels right at home. Locality’s Keith Costello reflects on this and more in his latest Field Notes from

Feeling weighed down by high-interest loans? You might not be stuck after all. Refinancing with an SBA 7(a) could help you reduce payments, improve cash flow, and simplify your debt structure. Learn how SBA refinancing works (and whether you qualify): hubs.ly/Q03MxnK30