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Legends Bank

Clarksville, TN · Cert 34936 · Legends Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Legends Bank

Clarksville, TN · Cert 34936 · Legends Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$927.7MAssets
$669.6MLoans
$824.1MDeposits
$88.7MEquity
Loan mix
86%RE $569.8M11%C&I $74.1M2%Consumer $15.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $659.3M20%Noninterest $164.8MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.42%Q2 ’255.46%Q2 ’26+8%+7%

Non-interest income vs. expense

2.68%Q2 ’242.80%Q2 ’252.85%Q2 ’26+7%+4%

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 10.1% share · #3 of 19 inst. · $0.6B of $6.2B

15.4% Montgomery
0.2% Davidson
6.1% Cheatham
0.3% Williamson

Executive Summary

  • Earnings: ROA of 1.04%, up 6 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.98%, down 7 bps from a year ago.
  • Funding: loans stand at 81.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+24 bps YoY

Efficiency Ratio (YTD, annualized)

67.35%-206 bps YoY

Tier 1 Leverage Ratio

9.98%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.00%0.98%1.06%1.04%+6 bps
Return on Equity10.60%10.72%10.43%10.97%10.84%+24 bps
Net Interest Margin3.38%3.40%3.40%3.65%3.62%+24 bps
Efficiency Ratio69.41%68.95%68.52%67.26%67.35%-206 bps
Non-Interest Burden2.15%2.13%2.13%2.26%2.24%+10 bps
Growth
Asset Growth (YoY)4.71%8.04%5.68%7.83%5.03%+32 bps
Loan Growth (YoY)11.02%12.24%11.41%11.35%6.48%-454 bps
Deposit Growth (YoY)3.79%9.20%6.17%7.82%6.51%+271 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.00%0.00%-4 bps
Allowance / Loans0.90%0.93%1.02%1.04%1.08%+18 bps
Allowance Coverage of NPLs83.2xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.05%10.09%10.05%10.35%9.98%-7 bps
Total Risk-Based Capital12.89%13.03%13.19%13.28%13.10%+21 bps
Equity / Assets9.16%9.27%9.80%9.55%9.56%+39 bps
Liquidity & Funding
Loans / Deposits81.28%79.40%82.75%79.92%81.26%-2 bps
Liquid Assets / Assets7.02%8.98%6.76%9.66%7.22%+20 bps
CRE / Total Capitaln/a456%449%450%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Legends Bank

Clarksville, TN · Cert 34936 · Peer group: banks under $1B in assets (n=581-629) · Legends Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$927.7MAssets
$669.6MLoans
$824.1MDeposits
$88.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: equity / assets trails 67% of banks under $1B in assets (rank 420 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.04%

Rank 304 of 629

Net Interest Margin

3.62%

Rank 284 of 629

Efficiency Ratio

67.35%

Rank 309 of 629

Equity / Assets

9.56%

Rank 420 of 629

Non-interest income vs. expense

$5.7M$26.8MINCOMEEXPENSE
Unfavorable gap of $21.1M · efficiency ratio beats 51% of banks under $1B in assets
Bank 67.35%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.60%1.01%1.45%Beats 52%304 / 629
Return on Equity10.86%5.38%9.30%13.28%Beats 60%254 / 629
Net Interest Margin3.62%3.03%3.54%4.05%Beats 55%284 / 629
Efficiency Ratio67.35%58.35%67.79%79.08%Beats 51%309 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 64%211 / 581
Capital
Tier 1 Capital Ratio12.09%11.24%13.84%18.77%Beats 34%413 / 629
Total Risk-Based Capital Ratio13.10%11.58%14.43%19.66%Beats 40%380 / 629
Equity / Assets9.56%9.09%10.65%13.80%Beats 33%420 / 629
Liquidity & Funding
Loans / Deposits81.26%67.24%80.90%93.48%51st pctl294 / 594
Loans / Assets72.19%53.31%67.71%78.15%59th pctl261 / 629
Brokered Deposits / Depositsn/aNot reported for this institution