Legacy Bank
Springdale, AR · Cert 57953 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Legacy Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.1BDeposits
$114.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 35 of 258).
- Widest gap: tier 1 capital ratio trails 91% of banks $1B-$10B in assets operating in a single state (rank 236 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.35%
Rank 96 of 258
Net Interest Margin
3.85%
Rank 68 of 258
Efficiency Ratio
55.93%
Rank 99 of 257
Equity / Assets
9.02%
Rank 198 of 258
Non-interest income vs. expense
Unfavorable gap of $25.1M · efficiency ratio beats 62% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.93% | 1.23% | 1.54% | Beats 63% | 96 / 258 | |
| Return on Equity | 14.99% | 9.26% | 11.84% | 14.74% | Beats 76% | 63 / 258 | |
| Net Interest Margin | 3.85% | 3.16% | 3.49% | 3.88% | Beats 74% | 68 / 258 | |
| Efficiency Ratio | 55.93% | 51.71% | 60.30% | 69.65% | Beats 62% | 99 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.19% | 0.46% | 0.90% | Beats 87% | 35 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 83% | 47 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 11.41% | 12.98% | 15.12% | Beats 9% | 236 / 258 | |
| Total Risk-Based Capital Ratio | 11.28% | 12.10% | 13.91% | 16.08% | Beats 18% | 212 / 258 | |
| Equity / Assets | 9.02% | 9.09% | 10.24% | 11.72% | Beats 23% | 198 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 94.93% | 73.24% | 86.34% | 95.95% | 74th pctl | 68 / 258 | |
| Loans / Assets | 85.68% | 63.01% | 72.27% | 78.40% | 95th pctl | 13 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |