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Locus Bank, Inc.

$100M-$1B Specialty: Commercial VA FDIC cert 58658

Designations: ✓ CDFI-certified

Richmond, VA

2 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +10.9% year over year ($259.3M on the books).
  • Delinquency rate 0.62%.
  • Return on assets 1.26%.
  • Efficiency ratio 60.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 113.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Locus Bank, Inc. has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 3.91% below tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.8% in tier
  • - ROA 0.07% below tier average
  • - Net Interest Margin 0.41% below tier average
Get updates when Locus Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $359.4M
+8.2% YoY +4.1% QoQ
-$27.2M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $293.6M
+8.5% YoY +2.0% QoQ
+$35.2M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $259.3M
+10.9% YoY +8.3% QoQ
-$67.4M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.26%
+21.8% YoY +0.8% QoQ
-0.07% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.58%
+4.6% YoY +1.6% QoQ
-0.41% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 60.57%
+4.5% YoY -6.8% QoQ
-3.91% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.62%
-3.8% YoY -5.2% QoQ
-0.30% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 113.21%
-2.2% YoY -5.8% QoQ
+35.26% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Bottom 2.1% in tier
Non-Interest-Bearing Deposit Share ? 14.68%
+18.2% YoY +42.9% QoQ
-7.35% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.51%
-3.6% YoY -7.1% QoQ
-0.16% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 21.46%
-0.3% YoY -0.8% QoQ
+5.55% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
Top 11.3% in tier
Non-Interest Income / Assets ? 0.10%
+9.3% YoY +149.0% QoQ
-0.47% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 14.7%
+2.3pp YoY
+4.4pp QoQ
 -7.5pp 22.1% 26.2% 22.2% 22%
Brokered Deposits 21.9%
-2.1pp YoY
-2.0pp QoQ
 +14.1pp 7.9% 8.5% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 27.4%
+1.8pp YoY
-0.5pp QoQ
 +15.8pp 11.6% 11.0% 12.5% 95%
CRE 58.0%
+0.3pp YoY
+0.9pp QoQ
 +18.4pp 39.5% 46.9% 41.4% 82%
1-4 Family 6.5%
-1.1pp YoY
-0.3pp QoQ
 -26.1pp 32.6% 32.6% 31.3% 7%
Consumer n/a n/a 4.1% 8.0% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 21.5%
-0.1pp YoY
-0.2pp QoQ
 +9.3pp 12.2% 12.2% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 36
+4 (+12.5%) YoY
-4 (-10.0%) QoQ
 -23 58 1,956 482 36%
Assets per Employee ($) $10.0M
-3.8% YoY
+15.7% QoQ
 +$2.5M $7.5M $9.9M $8.8M 85%
Branch Count 2
0 YoY
0 QoQ
 -3 4 28 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.6%
0.0pp YoY
+0.2pp QoQ
 -0.3pp 0.9% 0.7% 1.0% 59%
Allowance Coverage 0.93x
-5.2% YoY
+10.7% QoQ
 -23.22x 24.15x 9.47x 20.23x 25%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 6.0%
+1.0pp YoY
+0.1pp QoQ
 -6.2pp 12.2% 12.0% 11.6% 17%
Cost of Funds (YTD) 2.6%
0.0pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.7% 1.7% 92%
Net Income ($, YTD) $2.2M
+27.1% YoY
— QoQ
 -$360K $2.6M $137.1M $40.4M 56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#66 of 742 • Bottom 8.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.46%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 113.21%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

299
Tier 1 Capital Ratio
capital
Value: 21.46%
Peer Median: 15.91%
#299 of 2643 Top 11.3% in $100M-$1B

Top Weaknesses (3 metrics)

2588
Loan-to-Deposit Ratio
liquidity
Value: 113.21%
Peer Median: 77.95%
#2588 of 2643 Bottom 2.1% in $100M-$1B
2181
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2181 of 2643 Bottom 17.5% in $100M-$1B
2039
Non-Interest-Bearing Deposit Share
funding
Value: 14.68%
Peer Median: 22.03%
#2039 of 2643 Bottom 22.9% in $100M-$1B
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