BlastPoint's Banking Scorecard

Legence Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10886

Eldorado, IL

11 branches across IL · IN

2664 banks in the $100M-$1B peer group nationally 211 in IL

Legence Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 34.9% in tier
+ ROA 0.43% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 32.4% in tier
- Efficiency Ratio 0.59% above tier average
- Delinquency Rate 0.81% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$648.3M -2.2% YoY -0.1% QoQ	+$262.2M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$408.4M -3.6% YoY -3.2% QoQ	+$152.7M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$581.2M -3.4% YoY +1.8% QoQ	+$253.2M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 13.8% in tier
Return on Assets ?	1.69% +16.9% YoY +3.1% QoQ	+0.43%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	5.12% +2.1% YoY -1.3% QoQ	+1.19%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 5.7% in tier
Efficiency Ratio ?	65.87% -3.6% YoY +0.9% QoQ	+0.59%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	1.70% +117.4% YoY +4.0% QoQ	+0.81%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	70.27% -0.2% YoY -4.9% QoQ	-6.37%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	33.30% -1.2% YoY -2.5% QoQ	+11.28%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 12.0% in tier
Nonperforming Asset Ratio ?	1.07% +114.2% YoY +0.7% QoQ	+0.43%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	14.30% +6.9% YoY +4.2% QoQ	-1.53%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.16% +1.5% YoY -75.7% QoQ	-0.12%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#96 of 272 • Top 34.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 33.30%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.12%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#165 of 506 • Bottom 32.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

153

Net Interest Margin

profitability

Value: 5.12%

Peer Median: 3.93%

#153 of 2664 Top 5.7% in $100M-$1B

321

Non-Interest-Bearing Deposit Share

funding

Value: 33.30%

Peer Median: 22.02%

#321 of 2664 Top 12.0% in $100M-$1B

369

Total Deposits

size

Value: $581.16M

Peer Median: $327.97M

#369 of 2664 Top 13.8% in $100M-$1B

419

Total Assets

size

Value: $648.27M

Peer Median: $386.08M

#419 of 2664 Top 15.7% in $100M-$1B

528

Total Loans

size

Value: $408.38M

Peer Median: $255.72M

#528 of 2664 Top 19.8% in $100M-$1B

602

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#602 of 2664 Top 22.6% in $100M-$1B

656

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2243

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.89%

#2243 of 2654 Bottom 15.5% in $100M-$1B

2177

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.64%

#2177 of 2664 Bottom 18.3% in $100M-$1B