Locus Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.04 percentage points lower than in Q1 2026, at 113.86%. As of Q2 2026, Locus Bank, Inc. ranks first in Virginia on loan-to-deposit ratio among 56 banks, at 113.86%. Locus Bank, Inc. reported 113.86% on loan-to-deposit ratio for Q2 2026, 33.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.3M |
| Net loans and leases | $293.6M |
| Loans held for sale | $0 |
| Loans to total assets | 82.16% |
| Loan-to-deposit ratio | 113.86% |
| Net loans to equity capital | 3.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.96% |
| Multifamily (5+ residential) | 30.61% |
| Commercial and industrial | 27.19% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.16% |
| Construction concentration (Tier 1 capital + allowance) | 46.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.59% |
| Interest income on loans | $4.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $241.2M | $184.1M | 16.85% | 17.74% | 0.00% |
| Q4 2023 | $257.6M | $211.1M | 13.95% | 21.20% | 0.00% |
| Q1 2024 | $260.2M | $217.3M | 13.81% | 21.06% | 0.00% |
| Q2 2024 | $258.3M | $204.8M | 13.66% | 22.32% | 0.00% |
| Q3 2024 | $269.3M | $226.6M | 13.06% | 25.35% | 0.00% |
| Q4 2024 | $263.1M | $236.3M | 14.53% | 26.53% | 0.00% |
| Q1 2025 | $277.3M | $232.5M | 15.18% | 28.68% | 0.00% |
| Q2 2025 | $272.3M | $233.8M | 15.14% | 25.40% | 0.00% |
| Q3 2025 | $275.1M | $240.1M | 14.00% | 27.86% | 0.00% |
| Q4 2025 | $277.5M | $244.2M | 16.04% | 26.34% | 0.00% |
| Q1 2026 | $289.4M | $239.4M | 15.22% | 27.68% | 0.00% |
| Q2 2026 | $295.3M | $259.3M | 14.96% | 27.19% | 0.00% |
Locus Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Locus Bank, Inc., freeSource: Call Report Schedule RC-C, 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)