Locus Bank, Inc.

BankRichmond, Virginia
locusimpact.org

Total Assets

$343.8M

Total Deposits

$244.2M

Branches

2

Established

2008

TFS Health Grade

$
D

63.5 / 100

Below average financial health

How we grade

Locus Bank, Inc. is a bank headquartered in Richmond, Virginia, established in 2008. With $343.8M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D (63.5/100).

Capital & Safety

Tier 1 Capital Ratio
21.72%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.79%

Profitability

Return on Assets (ROA)
1.14%(1%)
Return on Equity (ROE)
5.46%(10%)
Net Interest Margin
3.44%
Efficiency Ratio
56.04%(60%)

Lending & Liquidity

Total Loans
$277.5M
Loan-to-Deposit Ratio
112.91%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+1.92%
Deposit Growth (YoY)
+3.34%
Net Income
$3.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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