Legacy State Bank

Loganville, GA · Cert 57882 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20)

State charter, non-member · FDIC · 2 branches

Q2 2026

$205.9MAssets

$155.4MLoans

$180.3MDeposits

$23.3MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.08%

Rank 15 of 20

Net Interest Margin

3.78%

Rank 12 of 20

Efficiency Ratio

62.18%

Rank 13 of 20

Equity / Assets

11.29%

Rank 9 of 20

Unfavorable gap of $4.8M · efficiency ratio beats 40% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.08%	1.08%	1.42%	1.85%	Beats 25%	15 / 20
Return on Equity	9.57%	9.57%	13.48%	17.30%	Beats 25%	15 / 20
Net Interest Margin	3.78%	3.38%	3.99%	4.50%	Beats 40%	12 / 20
Efficiency Ratio	62.18%	47.39%	61.42%	73.60%	Beats 40%	13 / 20
Asset Quality
Nonperforming Loans / Loans	0.05%	0.05%	0.79%	1.63%	Beats 79%	5 / 19
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.03%	Beats 100%	7 / 19
Capital
Tier 1 Capital Ratio	12.05%	13.64%	16.79%	19.57%	Beats 10%	18 / 20
Total Risk-Based Capital Ratio	12.05%	14.77%	17.61%	20.82%	Beats 5%	19 / 20
Equity / Assets	11.29%	9.66%	10.94%	13.62%	Beats 55%	9 / 20
Liquidity & Funding
Loans / Deposits	86.22%	70.35%	84.66%	95.83%	55th pctl	9 / 20
Loans / Assets	75.50%	62.58%	72.89%	77.86%	55th pctl	9 / 20
Brokered Deposits / Deposits	n/a	Not reported for this institution