Clarksville, TN · Cert 34936 · Legends Financial Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
36
Asset Quality
82
Profitability
56
Liquidity
98
Efficiency
51
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.
Clarksville, TN · Cert 34936 · Legends Financial Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 10.1% share · #3 of 19 inst. · $0.6B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.89% | 0.93% | 0.99% | 1.00% | 0.98% | 1.06% | 1.04% | +6 bps | |
| Return on Equity | 10.10% | 9.84% | 9.92% | 10.60% | 10.72% | 10.43% | 10.97% | 10.84% | +24 bps | |
| Net Interest Margin | 3.17% | 3.19% | 3.36% | 3.38% | 3.40% | 3.40% | 3.65% | 3.62% | +24 bps | |
| Efficiency Ratio | 71.11% | 69.91% | 70.30% | 69.41% | 68.95% | 68.52% | 67.26% | 67.35% | -206 bps | |
| Non-Interest Burden | 2.05% | 2.03% | 2.19% | 2.15% | 2.13% | 2.13% | 2.26% | 2.24% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | -0.33% | 2.34% | 4.71% | 8.04% | 5.68% | 7.83% | 5.03% | +32 bps | |
| Loan Growth (YoY) | 3.73% | 4.88% | 5.03% | 11.02% | 12.24% | 11.41% | 11.35% | 6.48% | -454 bps | |
| Deposit Growth (YoY) | 3.35% | -1.57% | 2.26% | 3.79% | 9.20% | 6.17% | 7.82% | 6.51% | +271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.04% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.04% | 0.03% | 0.02% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.87% | 0.94% | 0.93% | 0.90% | 0.93% | 1.02% | 1.04% | 1.08% | +18 bps | |
| Allowance Coverage of NPLs | 16.0x | 31.6x | 23.7x | 83.2x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.03% | 10.12% | 10.32% | 10.05% | 10.09% | 10.05% | 10.35% | 9.98% | -7 bps | |
| Total Risk-Based Capital | 13.43% | 13.52% | 13.51% | 12.89% | 13.03% | 13.19% | 13.28% | 13.10% | +21 bps | |
| Equity / Assets | 9.44% | 9.36% | 9.47% | 9.16% | 9.27% | 9.80% | 9.55% | 9.56% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.26% | 78.86% | 77.39% | 81.28% | 79.40% | 82.75% | 79.92% | 81.26% | -2 bps | |
| Liquid Assets / Assets | 8.82% | 8.00% | 9.22% | 7.02% | 8.98% | 6.76% | 9.66% | 7.22% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 456% | 449% | 450% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.60% | 1.01% | 1.45% | Beats 52% | 304 / 629 | ||
| Return on Equity | 10.86% | 5.38% | 9.30% | 13.28% | Beats 60% | 254 / 629 | ||
| Net Interest Margin | 3.62% | 3.03% | 3.54% | 4.05% | Beats 55% | 284 / 629 | ||
| Efficiency Ratio | 67.35% | 58.35% | 67.79% | 79.08% | Beats 51% | 309 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 211 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.09% | 11.24% | 13.84% | 18.77% | Beats 34% | 413 / 629 | ||
| Total Risk-Based Capital Ratio | 13.10% | 11.58% | 14.43% | 19.66% | Beats 40% | 380 / 629 | ||
| Equity / Assets | 9.56% | 9.09% | 10.65% | 13.80% | Beats 33% | 420 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.26% | 67.24% | 80.90% | 93.48% | 51st pctl | 294 / 594 | ||
| Loans / Assets | 72.19% | 53.31% | 67.71% | 78.15% | 59th pctl | 261 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||