Locus Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Locus Bank, Inc. of Richmond, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE | 6.09% | 13.32% | -7.23% | 18th bottom |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 56.27% | 61.14% | -4.87% | 65th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.68% | -0.05% | 52nd above |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 3.17% | 1.88% | +1.29% | 3rd bottom |
| Net Interest Spread | 2.57% | 3.32% | -0.75% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 0.94% | -0.32% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | -0.09% | 0.16% | -0.25% | 97th top |
| ACL / Total Loans | 0.58% | 1.28% | -0.70% | 4th bottom |
| ACL / NPLs (Coverage) | 93.47% | 1539.22% | -1445.75% | 26th below |
| Texas Ratio | 2.40% | 7.33% | -4.93% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.46% | 12.14% | +9.32% | 96th top |
| Equity / Assets | 20.63% | 11.37% | +9.26% | 96th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.09% | -0.59% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.86% | 80.63% | +33.23% | 2nd bottom |
| Core Deposit Ratio | 74.46% | 86.86% | -12.40% | 8th bottom |
| Wholesale Funding Ratio | 6.68% | 5.03% | +1.65% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.22% | 6.85% | +1.37% | 76th top |
| Loan Growth (Y/Y) | 8.43% | 7.90% | +0.53% | 67th above |
| Deposit Growth (Y/Y) | 10.91% | 6.29% | +4.62% | 85th top |
See Locus Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Locus Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Locus Bank, Inc. profile, how to read a UBPR, or how this data updates.