| Weiss Ratings |
Locus Bank, Inc.
Richmond, VA |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 3.70 | |||
| Company Info |
Locus Bank, Inc.
Richmond, VA |
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| FDIC Number | 58658 | |||
| Phone Number | (804) 344-5484 | |||
| Website | www.vacommunitycapital.org | |||
| Asset Quality |
Locus Bank, Inc.
Richmond, VA |
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| 1-Year Asset Growth | 4.70% | |||
| 5-Year Asset Growth | 10.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.84% | |||
| Non-Performing Loans to Capital | 3.87% | |||
| Non-Performing Loans to Loans | 1.02% | |||
| Balance Sheet |
Locus Bank, Inc.
Richmond, VA |
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| Total Assets | 334.84M | |||
| Total Deposits | 232.48M | |||
| Capital and Reserves |
Locus Bank, Inc.
Richmond, VA |
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| Capital | 69.79M | |||
| Leverage Ratio | 20.95 | |||
| Loan Loss Reserves to Loans | 0.65% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Locus Bank, Inc.
Richmond, VA |
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| Hot Money Ratio | 53.89% | |||
| Liquidity Ratio | 11.52% | |||
| Profitability |
Locus Bank, Inc.
Richmond, VA |
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| 5-Year Return on Average Assets | 0.85% | |||
| Net Income | 799.00K | |||
| Net Interest Spread | 3.23% | |||
| Operating Profit to Average Assets | 1.19% | |||
| Overhead Efficiency Ratio | 63.46% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 4.61% | |||