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
Unfavorable gap of $21.1M · efficiency ratio beats 51% of banks under $1B in assets | 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 |