| Weiss Ratings |
Locus Bank, Inc.
Richmond, VA |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 4.40 | |||
| 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 | 5.50% | |||
| 5-Year Asset Growth | 10.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.23% | |||
| Non-Performing Assets to Assets | 0.53% | |||
| Non-Performing Loans to Capital | 2.37% | |||
| Non-Performing Loans to Loans | 0.64% | |||
| Balance Sheet |
Locus Bank, Inc.
Richmond, VA |
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| Total Assets | 332.06M | |||
| Total Deposits | 233.79M | |||
| Capital and Reserves |
Locus Bank, Inc.
Richmond, VA |
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| Capital | 70.60M | |||
| Leverage Ratio | 21.52 | |||
| Loan Loss Reserves to Loans | 0.63% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Locus Bank, Inc.
Richmond, VA |
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| Hot Money Ratio | 59.43% | |||
| Liquidity Ratio | 12.66% | |||
| Profitability |
Locus Bank, Inc.
Richmond, VA |
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| 5-Year Return on Average Assets | 0.85% | |||
| Net Income | 1.73M | |||
| Net Interest Spread | 3.34% | |||
| Operating Profit to Average Assets | 1.29% | |||
| Overhead Efficiency Ratio | 57.93% | |||
| Return on Assets | 1.03% | |||
| Return on Equity | 4.95% | |||