Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox vs Locus Bank, Inc.
Metric by metric
| Measure | The Farmers Bank of Appomattox | Locus Bank, Inc. |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 59 | 70 (stronger) |
| Funding & liquidity | 78 (stronger) | 37 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 64th | 75th |
| Total assets | $374.6M | $359.4M |
| Deposits / shares | $313.6M | $259.3M |
| Capital ratio | 12.58% | 21.46% (stronger) |
| Problem loans | 0.59% (stronger) | 0.62% |
| Net charge-offs | 0.53% | -0.01% (stronger) |
| Return on assets | 0.98% | 1.26% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 113.2% |
| Uninsured deposits | 8.9% (stronger) | 26.8% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Locus Bank, Inc. has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox leads on 3 and Locus Bank, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.