Side-by-side · Q2 2026 data
Legacy Bank vs Locus Bank, Inc.
Metric by metric
| Measure | Legacy Bank | Locus Bank, Inc. |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 41 | 79 (stronger) |
| Earnings | 54 | 70 (stronger) |
| Funding & liquidity | 58 (stronger) | 37 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 37th | 75th |
| Total assets | $360.2M | $359.4M |
| Deposits / shares | $279.7M | $259.3M |
| Capital ratio | 20.64% | 21.46% (stronger) |
| Problem loans | 1.78% | 0.62% (stronger) |
| Net charge-offs | 0.17% | -0.01% (stronger) |
| Return on assets | 0.85% | 1.26% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 113.2% |
| Uninsured deposits | 32.4% | 26.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Locus Bank, Inc. has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank leads on 1 and Locus Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.