BlastPoint

BlastPoint's Banking Scorecard

Legence Bank

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

Eldorado, IL

11 branches across IL · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -2.2% year over year ($573.6M on the books).
  • Delinquency rate 1.18%.
  • Return on assets 1.96%.
  • Efficiency ratio 62.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Legence Bank has 4 strengths but faces 2 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 33.1% in tier
  • + Profitability Leader: Top 34.8% in tier
  • + Revenue Diversifier: Top 48.0% in tier
  • + Efficiency Ratio 2.07% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 34.2% in tier
  • - Credit Quality Pressure: Bottom 48.5% in tier
Get updates when Legence Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $642.9M
-1.0% YoY -0.8% QoQ
+$256.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $395.7M
-6.3% YoY -3.1% QoQ
+$137.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $573.6M
-2.2% YoY -1.3% QoQ
+$246.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 14.2% in tier
Return on Assets ? 1.96%
+23.2% YoY +15.7% QoQ
+0.64% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 14.0% in tier
Net Interest Margin ? 5.26%
+3.1% YoY +2.8% QoQ
+1.28% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 4.7% in tier
Efficiency Ratio ? 62.41%
-6.0% YoY -5.3% QoQ
-2.07% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 1.18%
+13.2% YoY -30.4% QoQ
+0.27% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 68.99%
-4.1% YoY -1.8% QoQ
-8.96% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 32.38%
-2.7% YoY -2.8% QoQ
+10.35% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Top 13.7% in tier
Nonperforming Asset Ratio ? 0.73%
+7.2% YoY -32.0% QoQ
+0.06% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 14.61%
+6.1% YoY +2.1% QoQ
-1.30% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.34%
+9.9% YoY +122.1% QoQ
-0.22% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 32.4%
-0.9pp YoY
-0.9pp QoQ
 +10.2pp 22.1% 20.1% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 19.8%
-1.3pp YoY
+0.1pp QoQ
 +8.3pp 11.6% 14.7% 12.5% 88%
CRE 26.5%
+0.4pp YoY
-0.4pp QoQ
 -13.0pp 39.5% 37.9% 41.4% 29%
1-4 Family 6.5%
+1.3pp YoY
+0.8pp QoQ
 -26.1pp 32.6% 28.3% 31.3% 6%
Consumer 8.4%
+1.6pp YoY
-0.4pp QoQ
 +4.3pp 4.1% 5.4% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.6%
+0.8pp YoY
+0.3pp QoQ
 -4.2pp 18.8% 19.9% 19.7% 45%
Leverage Ratio 9.5%
+0.2pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 12.2% 12.6% 23%
Total Capital Ratio 15.7%
+1.0pp YoY
+0.3pp QoQ
 -4.2pp 19.9% 20.9% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 127
-17 (-11.8%) YoY
-3 (-2.3%) QoQ
 +68 58 228 482 94%
Assets per Employee ($) $5.1M
+12.2% YoY
+1.5% QoQ
 -$2.5M $7.5M $8.3M $8.8M 15%
Branch Count 11
-1 (-8.3%) YoY
0 QoQ
 +6 4 10 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.2%
+0.1pp YoY
-0.5pp QoQ
 +0.2pp 0.9% 1.1% 1.0% 75%
Allowance Coverage 0.95x
+6.5% YoY
+37.9% QoQ
 -23.20x 24.15x 5.62x 20.23x 25%
Net Charge-off Rate (YTD) 0.4%
+0.1pp YoY
0.0pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 19.9%
+1.6pp YoY
+2.5pp QoQ
 +7.7pp 12.2% 10.5% 11.6% 88%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 16%
Net Income ($, YTD) $6.3M
+22.0% YoY
— QoQ
 +$3.8M $2.6M $11.7M $40.4M 93%

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 (3)

Deposit Franchise

growth
#93 of 278 • Top 33.1% 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: 32.38%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.26%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#231 of 661 • Top 34.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.96%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#318 of 661 • Top 48.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.34%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.96%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#184 of 535 • Bottom 34.2% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#610 of 1256 • Bottom 48.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.18%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

125
Net Interest Margin
profitability
Value: 5.26%
Peer Median: 3.99%
#125 of 2643 Top 4.7% in $100M-$1B
363
Non-Interest-Bearing Deposit Share
funding
Value: 32.38%
Peer Median: 22.03%
#363 of 2643 Top 13.7% in $100M-$1B
370
Return on Assets
profitability
Value: 1.96%
Peer Median: 1.32%
#370 of 2643 Top 14.0% in $100M-$1B
375
Total Deposits
size
Value: $573.59M
Peer Median: $326.73M
#375 of 2643 Top 14.2% in $100M-$1B
432
Total Assets
size
Value: $642.94M
Peer Median: $386.57M
#432 of 2643 Top 16.3% in $100M-$1B
556
Total Loans
size
Value: $395.71M
Peer Median: $258.35M
#556 of 2643 Top 21.0% in $100M-$1B
560
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#560 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

1989
Delinquency Rate
credit_quality
Value: 1.18%
Peer Median: 0.92%
#1989 of 2633 Bottom 24.5% in $100M-$1B
Powered by BlastPoint © 2026