Legacy Bank
Grundy, VA · Cert 19011 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 55 of 752).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets operating in a single state (rank 650 of 748).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 496 of 752
Net Interest Margin
2.88%
Rank 648 of 752
Efficiency Ratio
66.56%
Rank 424 of 752
Equity / Assets
18.07%
Rank 53 of 752
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.07% | 1.45% | Beats 34% | 496 / 752 | | |
| Return on Equity | 4.69% | 6.78% | 10.58% | 13.65% | Beats 16% | 629 / 752 | | |
| Net Interest Margin | 2.88% | 3.18% | 3.69% | 4.17% | Beats 14% | 648 / 752 | | |
| Efficiency Ratio | 66.56% | 55.75% | 64.49% | 75.47% | Beats 44% | 424 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.78% | 0.09% | 0.42% | 1.03% | Beats 13% | 650 / 748 | | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 19% | 610 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 27.83% | 11.55% | 13.75% | 17.60% | Beats 93% | 55 / 752 | | |
| Total Risk-Based Capital Ratio | 28.81% | 11.70% | 14.33% | 18.47% | Beats 93% | 55 / 752 | | |
| Equity / Assets | 18.07% | 8.93% | 10.56% | 13.13% | Beats 93% | 53 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.79% | 62.23% | 78.64% | 91.26% | 60th pctl | 298 / 752 | | |
| Loans / Assets | 65.06% | 54.61% | 67.41% | 76.47% | 44th pctl | 420 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |