BlastPoint's Banking Scorecard
Locus Bank, Inc.
Designations: ✓ CDFI-certified
Richmond, VA
2 branches across VA
Locus Bank, Inc. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.28% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 3.5% in tier
- - Liquidity Overhang: Bottom 8.1% in tier
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.2M
+3.1% YoY
+0.4% QoQ
|
-$40.9M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$287.8M
+4.5% YoY
+4.4% QoQ
|
+$32.1M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$239.4M
+3.0% YoY
-2.0% QoQ
|
-$88.6M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.25%
+31.0% YoY
+8.8% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.52%
+5.8% YoY
+2.4% QoQ
|
-0.41% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
65.01%
+2.4% YoY
+16.0% QoQ
|
-0.28% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.65%
-36.1% YoY
-17.7% QoQ
|
-0.23% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
120.24%
+1.5% YoY
+6.5% QoQ
|
+43.60% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.28%
-46.3% YoY
-20.4% QoQ
|
-11.74% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-35.3% YoY
-14.4% QoQ
|
-0.09% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
21.63%
+3.3% YoY
-0.4% QoQ
|
+5.80% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Top 10.5% in tier |
| Non-Interest Income / Assets ? |
0.04%
+12.9% YoY
-83.9% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.1% in tier |
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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 (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.