Locus Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.13 percentage points lower than in Q1 2026, at 93.47%. Within Virginia, Locus Bank, Inc. is 28th of 56 on return on assets, 1.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Locus Bank, Inc. reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.46% |
| Equity capital to assets | 20.63% |
| Tangible equity to tangible assets | 20.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.09% |
| Texas ratio | 2.40% |
| Allowance for credit losses to loans | 0.58% |
| Reserve coverage of non-performing loans | 93.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 6.09% |
| Net interest margin | 3.58% |
| Efficiency ratio | 56.27% |
| Yield on earning assets | 6.14% |
| Cost of funds | 3.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.86% |
| Core deposits to total deposits | 74.46% |
| Brokered deposits to total deposits | 21.94% |
| Deposits to assets | 72.16% |
| Securities to assets | 11.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.87% | 1.19% | 3.32% | 2.28% | 0.00% |
| Q4 2023 | 22.77% | 0.86% | 3.09% | 1.24% | 0.00% |
| Q1 2024 | 21.73% | 0.82% | 2.98% | 1.19% | -0.00% |
| Q2 2024 | 21.92% | 0.45% | 2.86% | 1.40% | 0.00% |
| Q3 2024 | 22.01% | 1.21% | 2.86% | 1.30% | 0.00% |
| Q4 2024 | 21.22% | 1.37% | 3.12% | 1.11% | 0.01% |
| Q1 2025 | 20.95% | 0.94% | 3.23% | 1.02% | 0.00% |
| Q2 2025 | 21.52% | 1.11% | 3.45% | 0.64% | 0.46% |
| Q3 2025 | 21.81% | 1.58% | 3.42% | 0.60% | -0.00% |
| Q4 2025 | 21.72% | 0.97% | 3.48% | 0.57% | -0.00% |
| Q1 2026 | 21.63% | 1.25% | 3.48% | 0.45% | 0.07% |
| Q2 2026 | 21.46% | 1.28% | 3.58% | 0.62% | -0.09% |
Locus Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Locus Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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