LOCUS BANK, INC.

RICHMOND, VA | Small | Est. Aug. 20, 2008, midnight | FDIC #58658 | RSSD #3626858 | FED
Latest Report: 2025-12-31

LOCUS BANK, INC. is asn small FDIC-insured commercial bank headquartered in RICHMOND, VA, established in Aug. 20, 2008, midnight. As of 2025-12-31, the bank reported total assets of $344M and total deposits of $244M. Profitability stands at 0.95% ROA and 4.52% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 21.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 2.13%. FDIC Certificate #58658.

Assets

$344M

Deposits

$244M

Loans

$278M

Equity

$72M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 4.52%
Net Interest Margin (NIM) 3.62%
Yield on Assets 6.33%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.11%
Texas Ratio 2.13%
NPA Ratio 0.46%
ACL / Loans 0.65%

Capital & Liquidity

CET1 Ratio 21.04%
Tier 1 Capital 21.04%
Total Capital Ratio 22.09%
Leverage Ratio 21.72%
Loan-to-Deposit 113.65%

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