Total Assets
$344M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Locus Bank, Inc. — FDIC Bank Health Profile
Richmond, Virginia · Est. 2008. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #58658 Atlanta Region
F
Health grade
At Risk
Score: 32/100
Basel III capital ratios — Locus Bank, Inc.
Total Deposits
$244M
Customer-funded liabilities
Net Loans
$276M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$72M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.14%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.46%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
56.04%
Income & Expense Breakdown
$19M
Interest Income
$836K
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
Locus Bank, Inc. is FDIC-insured (Certificate #58658). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Locus Bank, Inc.
Locus Bank, Inc. is an FDIC-insured institution (Certificate #58658) headquartered in Richmond, Virginia, established in 2008. The bank currently holds $344M in total assets and $244M in customer deposits, with $276M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Locus Bank, Inc. reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $72M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.14% and a Return on Equity of 5.46%, with an Efficiency Ratio of 56.04% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of F (32/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Locus Bank, Inc. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Locus Bank, Inc. (FDIC Cert #58658) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National Association Mclean | $658.5B | C | 0.55% |
| HSBC Bank USA, National Association Tysons | $165.3B | B | 0.92% |
| Atlantic Union Bank Richmond City | $37.5B | C | 0.99% |
| United Bank Fairfax | $33.5B | B | 1.50% |
| TowneBank Portsmouth | $19.7B | D | 0.90% |
| Burke & Herbert Bank & Trust Company Alexandria | $7.9B | B | 1.69% |
| Carter Bank & Trust Martinsville | $4.8B | D | 0.72% |
| The First Bank and Trust Company Lebanon | $4.2B | B | 1.62% |
Frequently Asked Questions
What is Locus Bank, Inc.'s health grade? ▼
Locus Bank, Inc. receives a health grade of F (32/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Locus Bank, Inc.? ▼
Locus Bank, Inc. holds $344M in total assets and $244M in deposits. It is headquartered in Richmond, Virginia.
Is my money safe at Locus Bank, Inc.? ▼
Yes. Locus Bank, Inc. is FDIC-insured (Certificate #58658). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Locus Bank, Inc.'s Tier 1 Capital Ratio? ▼
Locus Bank, Inc. has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Locus Bank, Inc.? ▼
Locus Bank, Inc. has an Efficiency Ratio of 56.04%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.