Side-by-side · Q2 2026 data
Locus Bank, Inc. vs New Horizon Bank, National Association
Metric by metric
| Measure | Locus Bank, Inc. | New Horizon Bank, National Association |
|---|---|---|
| TellerScore | 79 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 79 | 95 (stronger) |
| Earnings | 70 (stronger) | 4 |
| Funding & liquidity | 37 | 52 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 75th | 19th |
| Total assets | $359.4M | $359.3M |
| Deposits / shares | $259.3M | $286.4M |
| Capital ratio | 21.46% (stronger) | 10.81% |
| Problem loans | 0.62% | 0.15% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.27% |
| Return on assets | 1.26% (stronger) | -0.39% |
| Loans ÷ deposits | 113.2% | 64.2% (stronger) |
| Uninsured deposits | 26.8% (stronger) | 55.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Locus Bank, Inc. has the higher TellerScore (79 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Locus Bank, Inc. leads on 5 and New Horizon Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.