Locus Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 7.66 percentage points lower than in Q1 2026, at 118.11%. Locus Bank, Inc. has the highest loan-to-deposit ratio of the 56 banks headquartered in Virginia, 113.86% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Locus Bank, Inc. sits 33.03 points higher, at 113.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.4M |
| Fed funds sold and reverse repos | $85K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.86% |
| Net loans and leases to deposits | 113.21% |
| Loans and leases to core deposits | 118.11% |
| Core deposits to total deposits | 74.46% |
| Brokered deposits to total deposits | 21.94% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 131.00% | 77.47% | $10.0M | $33.4M |
| Q4 2023 | 122.04% | 64.59% | $0 | $33.2M |
| Q1 2024 | 119.72% | 59.12% | $0 | $33.1M |
| Q2 2024 | 126.13% | 66.12% | $7.8M | $33.0M |
| Q3 2024 | 118.85% | 67.93% | $0 | $30.0M |
| Q4 2024 | 111.32% | 71.10% | $0 | $30.0M |
| Q1 2025 | 119.26% | 70.94% | $0 | $30.0M |
| Q2 2025 | 116.48% | 72.12% | $0 | $26.0M |
| Q3 2025 | 114.57% | 73.88% | $0 | $26.0M |
| Q4 2025 | 113.65% | 71.68% | $0 | $25.0M |
| Q1 2026 | 120.90% | 72.16% | $0 | $30.0M |
| Q2 2026 | 113.86% | 74.46% | $0 | $24.0M |
Locus Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Locus Bank, Inc., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Locus Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58658) · FFIEC NIC profile (RSSD 3626858)