BlastPoint's Banking Scorecard
Locus Bank, Inc.
Micro
Specialty: Commercial
VA
FDIC cert 58658
Designations: ✓ Community bank
Richmond, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Locus Bank, Inc. faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.8M
+1.9% YoY
+1.0% QoQ
|
+$126.4M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$275.7M
+5.5% YoY
+0.8% QoQ
|
+$136.6M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$244.2M
+3.3% YoY
+1.7% QoQ
|
+$60.5M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.14%
+18.6% YoY
-5.3% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.44%
+14.8% YoY
+0.4% QoQ
|
-0.42% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
56.04%
-11.0% YoY
+2.4% QoQ
|
-11.69% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.79%
-28.7% YoY
+30.7% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
112.91%
+2.1% YoY
-0.8% QoQ
|
+38.39% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.92%
-35.5% YoY
+8.0% QoQ
|
-9.48% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.64%
-26.2% YoY
+30.5% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
+1.3% YoY
+21.4% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.91%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Loans
Current: $275.7M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $343.8M · Tier avg: $217.5M
78
78th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 67.73%
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.92% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.91% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.91% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.92% · Tier avg: 22.39%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
69
69th pctile
Total Deposits
Current: $244.2M · Tier avg: $183.7M
78
78th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 67.73%
79
79th pctile
Total Assets
Current: $343.8M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $275.7M · Tier avg: $139.2M