Locus Bank, Inc.
Total assets
$359.4M
▲ +8.2% YoY
Deposits
$259.3M
▲ +10.9% YoY
Loans
$293.6M
▲ +8.5% YoY
Offices
2
LOCUS
ROA (annualized)
1.26%
peers 1.24%
ROE (annualized)
5.99%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Locus Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
Profile
- Established
- 2008
- Charter
- State
- Primary regulator
- FED
- Holding company
- LOCUS
- Specialization
- Commercial Lending Specialization
- Address
- 7814 Carousel Ln, Richmond, VA, 23294
- County
- Henrico
- Metro area
- Richmond, VA
- Offices
- 2
- FDIC cert #
- 58658
- RSSD ID
- 3626858
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.4M | $259.3M | $293.6M | $74.1M | $2.2M | 1.26% | 3.58% | 0.51% |
| Q1 2026 | $345.2M | $239.4M | $287.8M | $73.3M | $1.1M | 1.25% | 3.52% | 0.55% |
| Q4 2025 | $343.8M | $244.2M | $275.7M | $72.3M | $3.9M | 1.14% | 3.44% | 0.64% |
| Q3 2025 | $340.6M | $240.1M | $273.5M | $72.1M | $3.0M | 1.21% | 3.42% | 0.49% |
| Q2 2025 | $332.1M | $233.8M | $270.6M | $70.6M | $1.7M | 1.03% | 3.42% | 0.53% |
| Q1 2025 | $334.8M | $232.5M | $275.4M | $69.8M | $799K | 0.95% | 3.33% | 0.84% |
| Q4 2024 | $337.4M | $236.3M | $261.3M | $69.0M | $3.1M | 0.97% | 3.00% | 0.86% |
| Q3 2024 | $327.4M | $226.6M | $267.5M | $68.9M | $2.0M | 0.83% | 2.94% | 1.07% |
Loan mix (Q2 2026): real estate $189.3M · commercial $80.4M · consumer $0 · securities $40.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Locus Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 62.9% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Locus Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Locus Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Locus Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Locus Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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