BlastPoint's Banking Scorecard

Legends Bank

$100M-$1B Specialty: Commercial MO FDIC cert 12616

Linn, MO

13 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Legends Bank has 4 strengths but faces 1 concern

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

+ Return on Assets 0.91% above tier average
+ Net Interest Margin 1.05% above tier average
+ Efficiency Ratio 22.47% below tier average
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 33.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$621.3M +9.8% YoY +4.6% QoQ	+$235.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$434.6M +6.9% YoY +1.6% QoQ	+$178.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$502.7M +9.5% YoY +5.1% QoQ	+$174.8M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	2.18% -3.7% YoY -9.1% QoQ	+0.91%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 8.9% in tier
Net Interest Margin ?	4.98% -2.6% YoY -4.1% QoQ	+1.05%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 7.5% in tier
Efficiency Ratio ?	42.82% +4.2% YoY +10.5% QoQ	-22.47%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 6.6% in tier
Delinquency Rate ?	0.23% -53.0% YoY -5.2% QoQ	-0.65%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	86.44% -2.4% YoY -3.3% QoQ	+9.80%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	25.30% -2.7% YoY -3.6% QoQ	+3.28%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.16% -58.9% YoY -8.0% QoQ	-0.48%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	18.53% +2.6% YoY -0.3% QoQ	+2.70%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.10% -2.6% YoY -76.0% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	49%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#248 of 739 • Bottom 33.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.53%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 86.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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)

176

Efficiency Ratio

profitability

Value: 42.82%

Peer Median: 65.29%

#176 of 2664 Top 6.6% in $100M-$1B

200

Net Interest Margin

profitability

Value: 4.98%

Peer Median: 3.93%

#200 of 2664 Top 7.5% in $100M-$1B

238

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.27%

#238 of 2664 Top 8.9% in $100M-$1B

455

Total Loans

size

Value: $434.56M

Peer Median: $255.72M

#455 of 2664 Top 17.0% in $100M-$1B

463

Tier 1 Capital Ratio

capital

Value: 18.53%

Peer Median: 15.83%

#463 of 2664 Top 17.3% in $100M-$1B

478

Total Assets

size

Value: $621.29M

Peer Median: $386.08M

#478 of 2664 Top 17.9% in $100M-$1B

536

Total Deposits

size

Value: $502.72M

Peer Median: $327.97M

#536 of 2664 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available