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 Locus Bank, Inc.
Locus Bank, Inc.
| RSSD ID 3626858 | CERTIFICATE 58658 | ABA NUMBER 51409524 |
| 7814 Carousel Ln |
Quarter Ended : |
2025-12-31 |
| Richmond, Virginia, 23294 |
Updated : |
2026-01-30 |
| locusimpact.org |
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| Institution Profile |
| Year Opened : |
2008 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
37 |
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| Related Company Filings |
Regulator |
 LOCUS |
FED |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 343,849 |
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Total Interest Income | 19,448 |
| Total Liabilities | 271,505 |
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Total NonInterest Income | 836 |
| Total Bank Equity Capital | 72,344 |
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Total Interest Expense | 8,338 |
| Total Deposits | 244,201 |
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Total NonInterest Expense | 6,694 |
| Net Loans & Leases | 275,733 |
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Net Income | 3,866 |
| Loan Loss Allowance | 1,802 |
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Net Charge Offs | 313 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 279,001 |
| Total assets for the leverage ratio | 337,040 |
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Loans secured by real estate: | 178,376 |
| Tier 1 Leverage Ratio | 21.72 |
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Commercial and industrial loans | 74,702 |
| Off Balance Sheet Exposures (%) | 10.78 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 0 |
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:· Locus Bank, Inc.
