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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.02% | 0.92% | 1.06% | 1.02% | -2 bps | |
| Return on Equity | 11.19% | 11.09% | 9.63% | 10.97% | 10.66% | -52 bps | |
| Net Interest Margin | 3.46% | 3.59% | 3.67% | 3.65% | 3.67% | +21 bps | |
| Efficiency Ratio | 68.58% | 68.11% | 67.30% | 67.26% | 67.43% | -115 bps | |
| Non-Interest Burden | 2.14% | 2.20% | 2.28% | 2.26% | 2.27% | +13 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 / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.00% | 0.00% | -0.01% | -7 bps | |
| Allowance / Loans | 0.90% | 0.93% | 1.02% | 1.04% | 1.08% | +18 bps | |
| Allowance Coverage of NPLs | 83.2x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.05% | 10.09% | 10.05% | 10.35% | 9.98% | -7 bps | |
| Total Risk-Based Capital | 12.89% | 13.03% | 13.19% | 13.28% | 13.10% | +21 bps | |
| Equity / Assets | 9.16% | 9.27% | 9.80% | 9.55% | 9.56% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.28% | 79.40% | 82.75% | 79.92% | 81.26% | -2 bps | |
| Liquid Assets / Assets | 7.02% | 8.98% | 6.76% | 9.66% | 7.22% | +20 bps | |
| CRE / Total Capital | n/a | 456% | 449% | 450% | n/a | n/a | |