Locus Bank, Inc.
Richmond, VA · Cert 58658 · Peer group: banks under $1B in assets (n=581-629) · Locus
State charter, Fed member · FED · 2 branches
Q2 2026
$359.4MAssets
$295.3MLoans
$259.3MDeposits
$74.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets (rank 76 of 629).
- Widest gap: return on equity trails 72% of banks under $1B in assets (rank 456 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.22%
Rank 226 of 629
Net Interest Margin
3.40%
Rank 362 of 629
Efficiency Ratio
60.57%
Rank 188 of 629
Equity / Assets
20.63%
Rank 76 of 629
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 70% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 64% | 226 / 629 | |
| Return on Equity | 5.92% | 5.38% | 9.30% | 13.28% | Beats 28% | 456 / 629 | |
| Net Interest Margin | 3.40% | 3.03% | 3.54% | 4.05% | Beats 42% | 362 / 629 | |
| Efficiency Ratio | 60.57% | 58.35% | 67.79% | 79.08% | Beats 70% | 188 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.09% | 0.46% | 1.20% | Beats 43% | 334 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 331 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 21.46% | 11.24% | 13.84% | 18.77% | Beats 80% | 126 / 629 | |
| Total Risk-Based Capital Ratio | 21.46% | 11.58% | 14.43% | 19.66% | Beats 79% | 131 / 629 | |
| Equity / Assets | 20.63% | 9.09% | 10.65% | 13.80% | Beats 88% | 76 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 113.86% | 67.24% | 80.90% | 93.48% | 97th pctl | 17 / 594 | |
| Loans / Assets | 82.16% | 53.31% | 67.71% | 78.15% | 86th pctl | 86 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |