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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 1.04%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.89%0.93%0.99%1.00%0.98%1.06%1.04%+6 bps
Return on Equity10.10%9.84%9.92%10.60%10.72%10.43%10.97%10.84%+24 bps
Net Interest Margin3.17%3.19%3.36%3.38%3.40%3.40%3.65%3.62%+24 bps
Efficiency Ratio71.11%69.91%70.30%69.41%68.95%68.52%67.26%67.35%-206 bps
Non-Interest Burden2.05%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 / Loans0.05%0.03%0.04%0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%0.01%0.03%0.04%0.03%0.02%0.00%0.00%-4 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