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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 $15.1MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $659.3M20%Noninterest $164.8MQ3 2024Q2 2026

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 1.02%, down 2 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

1.02%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+21 bps YoY

Efficiency Ratio (quarter, annualized)

67.43%-115 bps YoY

Tier 1 Leverage Ratio

9.98%-7 bps YoY

NIM

5.43%Q2 ’245.56%Q2 ’255.53%Q2 ’26+8%+6%

Non-interest income vs. expense

2.78%Q2 ’242.88%Q2 ’252.89%Q2 ’26+3%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.84%0.93%1.04%1.02%0.92%1.06%1.02%-2 bps
Return on Equity9.86%8.95%9.92%11.19%11.09%9.63%10.97%10.66%-52 bps
Net Interest Margin3.25%3.35%3.36%3.46%3.59%3.67%3.65%3.67%+21 bps
Efficiency Ratio72.20%66.44%70.30%68.58%68.11%67.30%67.26%67.43%-115 bps
Non-Interest Burden2.15%2.03%2.19%2.14%2.20%2.28%2.26%2.27%+13 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 / Loans0.05%0.03%0.04%0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%0.04%0.03%0.05%0.00%0.00%0.00%-0.01%-7 bps
Allowance / Loans0.87%0.94%0.93%0.90%0.93%1.02%1.04%1.08%+18 bps
Allowance Coverage of NPLs16.0x31.6x23.7x83.2xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.03%10.12%10.32%10.05%10.09%10.05%10.35%9.98%-7 bps
Total Risk-Based Capital13.43%13.52%13.51%12.89%13.03%13.19%13.28%13.10%+21 bps
Equity / Assets9.44%9.36%9.47%9.16%9.27%9.80%9.55%9.56%+39 bps
Liquidity & Funding
Loans / Deposits77.26%78.86%77.39%81.28%79.40%82.75%79.92%81.26%-2 bps
Liquid Assets / Assets8.82%8.00%9.22%7.02%8.98%6.76%9.66%7.22%+20 bps
CRE / Total Capitaln/an/an/an/a456%449%450%n/an/a