Empowering local businesses to maximize their potential.

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Locality is reinventing local business banking – pairing the best of personal relationships with comprehensive financing experience and innovative technology to help South Florida businesses flourish. Locality believes a successful, local, banking relationship brings business success too.

HQ Located in Fort Lauderdale.
We’re here!

Locality Bank
1400 South Andrews Ave.
Fort Lauderdale, FL 33316

Phone: 954-799-0900

Meet Your Team

Keith Costello

Co-Founder & CEO

Corey LeBlanc

Co-Founder & COO/CTO

Drew Saito

Co-Founder & CLO

Michelle Gioia

EVP, Chief Financial Officer

Cindy Sheppard

SVP, Chief Risk Officer

David Eiler

Chief Banking Officer

Maria Scriven

Loan Administration Officer

Michael Lundy

SVP, Director of Loan Operations

Leopoldo “Leo” Tepedino

SVP, Director of Treasury Management

Blaine Lintz

VP, Commercial Underwriter

Susan Huffman

AVP, Corporate Secretary

Greg Layfield

Director of IT & Deposit Operations

Brandon DeHerrera

Associate Credit Analyst

Charisma LeBlanc

Project Management Coordinator

Keith Costello

Co-Founder & CEO

Keith has dedicated his 30-year career to community banks in South Florida and believes in the power of investing locally. In founding Locality, Keith is passionate about putting his core values of innovation, trust, and accountability into action. He lives in Ft Lauderdale with his fiancé Denice Hayes. Keith is a U.S. Army Veteran and father of four.

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Corey LeBlanc

Co-Founder & COO/CTO

Corey LeBlanc is a catalyst for CX advancement in the banking industry and a steadfast advocate in the mission to transform small business banking. Previously Corey served six years in the U.S. Air Force and 14 years as CTO and Chief Digital & Innovation Officer at Origin Bank. His career has focused on aligning technology and banking services. Corey, his wife Cassie, and two children are excited to make Florida home.

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Drew Saito

Co-Founder & CLO

Drew has been supporting Florida businesses with commercial banking, real estate lending, and cash management services for nearly 20 years. As part of building a top-class community bank, Drew aims to help his clients access commercial banking services seamlessly. Drew is a native Floridian, who has been deeply involved in his community. In his spare time, he enjoys fishing, boating, golfing, and traveling.

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Michelle Gioia

EVP, Chief Financial Officer

Michelle has spent her 30-year banking career at community banks. She has held leadership roles in accounting, finance, and loan operations. During her free time, Michelle enjoys spending time with her family camping and traveling.

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Cindy Sheppard

SVP, Chief Risk Officer

Cindy has more than 40 years of experience in community banking, risk management, bank operations, and compliance. Cindy’s expertise is driven by her commitment to her community and innovative solutions to support local Florida businesses. During her free time, Cindy enjoys spending time with her family, relaxing on the beach, reading, and enjoying wine tastings.

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David Eiler

Chief Banking Officer

For more than three decades, David has led innovative, customer-focused credit and lending services at community banks. He brings a collaborative, service-first approach to Locality’s loan underwriting and administration processes to deliver transformational efficiency and elevated customer experience. David is an avid retired rugby player and fan. He believes there is nothing better than fishing and diving in the Keys.

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Maria Scriven

Loan Administration Officer

Maria Scriven is the newest member of Locality’s Loan Administration team. She brings over 10 years of experience in banking and the mortgage industry. In her new role, Maria will work closely with the Loan Operations Director and become an integral part of Locality’s team by providing support to both lenders and members so that they can focus on what they do best—creating buying opportunities for their members.

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Michael Lundy

SVP, Director of Loan Operations

Michael has more than 30 years of commercial banking experience and has held numerous leadership roles focusing on client support, loan service delivery, and portfolio monitoring. Additionally, he has served on various business oversight committees, including Risk Management, CRA and compliance. Michael lives in Winter Park, Florida, and enjoys traveling, gardening, and entertaining family and friends.

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Leopoldo “Leo” Tepedino

SVP, Director of Treasury Management

Leo is a treasury management and small business banking expert. He leads Locality’s treasury management strategy to deliver on customer needs through technology and process innovation. He’s responsible for driving growth and profitability through client acquisition and deposits. Leo was born in Venezuela but grew up living in many countries, which has given him unique exposure to multiple cultures and international trends. In his spare time, he enjoys outdoor biking, hiking, and playing backgammon.

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Blaine Lintz

VP, Commercial Underwriter

Blaine is a Florida native with over a decade of experience in commercial banking, specific to the tri- county area. His extensive knowledge of credit and portfolio management enables him to provide a customized approach to underwriting, contributing to a unique and personalized experience for Bank customers. He holds a strong passion for community banking and assisting local businesses with their financial needs. Blaine is a former Class A member of the PGA of America. Outside of the office, he is an avid golfer, enjoys traveling, and spending time with his family and friends.

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Susan Huffman

AVP, Corporate Secretary

Susan is passionate about providing personable and responsive customer service, while ensuring the Locality products and services exceed her customers’ personal and business needs. Bringing in more than 30 years of banking experience, Susan values dependability and patience across all departments. Susan brings Locality valuable banking knowledge and administrative skills that will contribute to the overall success of local South Florida businesses. During her free time, she enjoys hiking, kayaking, and running 5Ks!

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Greg Layfield

Director of IT & Deposit Operations

Greg brings the Locality team and South Florida community more than 20 years of computer and IT experience, with 12 of those specific to banking and core systems. He is looking forward to helping customers have a seamless banking experience, and he is excited about the passion the entire Locality team brings to work every day. When he’s not in the office, Greg enjoys visiting theme parks around the United States.

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Brandon DeHerrera

Associate Credit Analyst

An integral part of Locality’s credit and risk team, Brandon is responsible for credit review and financial analysis to determine and mitigate risk in loan underwriting. In addition to a bachelor’s degree in finance, he is certified as an analyst in commercial banking, valuation and capital markets. In his spare time, Brandon enjoys exercising, traveling, and reading.

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Charisma LeBlanc

Project Management Coordinator

Charisma LeBlanc has more than five years of experience working diligently to break down tasks, define outcomes and maintain momentum for SMBs. As Project Management Coordinator for Locality Bank, Charisma performs various interdepartmental tasks with determination to ensure the team is strategically aligned and on track to hit major milestones. She enjoys going out with friends, exploring new places, and relaxing at the beach in her free time.

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Board of Directors

Al Thomas

Retired Executive, Speer Leeds/Goldman Sachs

Alexandra Mastriana-Solal

Real Estate Investor

Denny St. Romain

Vice Chair, Cushman & Wakefield

Keith Cobb

Independent Financial Services Professional

Keith Costello

Locality Bank

Kelsey Weaver

Fintech Founder

Ken Lehman

Bank Investor

Stuart R. Morris, Esq.

Partner, Cozen O'Connor

Zenios Zenios

CEO, 3 Pillar Homes

Locality in the News

Read Stories

News, releases, and more, as featured in:

Empowering local businesses to maximize their potential.

HQ Located in Fort Lauderdale.We’re here!

Meet Your Team

Keith Costello

Corey LeBlanc

Drew Saito

Michelle Gioia

Cindy Sheppard

David Eiler

Maria Scriven

Michael Lundy

Leopoldo “Leo” Tepedino

Blaine Lintz

Susan Huffman

Greg Layfield

Brandon DeHerrera

Charisma LeBlanc

Board of Directors

Al Thomas

Alexandra Mastriana-Solal

Denny St. Romain

Keith Cobb

Keith Costello

Kelsey Weaver

Ken Lehman

Stuart R. Morris, Esq.

Zenios Zenios

Locality in the News

HQ Located in Fort Lauderdale.
We’re here!