Legacy Bank
Grundy, VA · Cert 19011 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GNB Bankshares Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
$360.2MAssets
$234.4MLoans
$279.7MDeposits
$65.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets operating in a single state (rank 50 of 746).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets operating in a single state (rank 642 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 487 of 746
Net Interest Margin
2.88%
Rank 640 of 746
Efficiency Ratio
66.56%
Rank 418 of 746
Equity / Assets
18.07%
Rank 51 of 746
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 487 / 746 | |
| Return on Equity | 4.69% | 6.74% | 10.51% | 13.63% | Beats 17% | 622 / 746 | |
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 640 / 746 | |
| Efficiency Ratio | 66.56% | 55.74% | 64.58% | 75.47% | Beats 44% | 418 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.78% | 0.09% | 0.42% | 1.07% | Beats 14% | 642 / 743 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 612 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 27.83% | 11.55% | 13.75% | 17.60% | Beats 93% | 50 / 746 | |
| Total Risk-Based Capital Ratio | 28.81% | 11.71% | 14.33% | 18.43% | Beats 93% | 49 / 746 | |
| Equity / Assets | 18.07% | 8.90% | 10.51% | 13.06% | Beats 93% | 51 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.79% | 61.31% | 78.27% | 90.78% | 62nd pctl | 284 / 746 | |
| Loans / Assets | 65.06% | 53.60% | 66.97% | 76.08% | 45th pctl | 409 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |