BlastPoint's Banking Scorecard

Legends Bank

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

Linn, MO

13 branches across MO

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 140 in MO.
Deposits +6.3% year over year ($515.2M on the books).
Delinquency rate 0.52%.
Return on assets 2.26%.
Efficiency ratio 41.26% vs a 64.48% peer average.
Loan-to-deposit ratio 88.14% 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 140 in MO

View $100M-$1B leaderboard (MO) →

Legends 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

+ Return on Assets 0.93% above tier average
+ Net Interest Margin 1.04% above tier average
+ Efficiency Ratio 23.22% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 33.7% in tier
- Credit Quality Pressure: Bottom 41.3% in tier

Get updates when Legends Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$635.5M +7.3% YoY +2.3% QoQ	+$249.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$454.1M +11.8% YoY +4.5% QoQ	+$195.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$515.2M +6.3% YoY +2.5% QoQ	+$188.5M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	2.26% -3.8% YoY +3.3% QoQ	+0.93%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 7.8% in tier
Net Interest Margin ?	5.03% -2.7% YoY +1.0% QoQ	+1.04%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 7.6% in tier
Efficiency Ratio ?	41.26% +4.2% YoY -3.6% QoQ	-23.22%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 5.1% in tier
Delinquency Rate ?	0.52% +90.1% YoY +123.1% QoQ	-0.40%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	88.14% +5.1% YoY +2.0% QoQ	+10.19%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	27.03% +3.1% YoY +6.8% QoQ	+5.00%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	0.38% +69.4% YoY +134.8% QoQ	-0.29%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	18.31% +1.5% YoY -1.2% QoQ	+2.40%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.19% -2.9% YoY +98.2% QoQ	-0.38%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	46%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	27.0% +0.8pp YoY +1.7pp QoQ	+4.9pp	22.1%	20.9%	22.2%	73%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	7.4%	8.5%	1%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	6.3% -0.9pp YoY -0.4pp QoQ	-5.3pp	11.6%	12.3%	12.5%	28%
CRE	40.9% -0.2pp YoY +0.8pp QoQ	+1.3pp	39.5%	36.8%	41.4%	55%
1-4 Family	30.7% +1.6pp YoY +0.4pp QoQ	-1.9pp	32.6%	31.9%	31.3%	53%
Consumer	7.9% -0.8pp YoY -0.5pp QoQ	+3.8pp	4.1%	4.1%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	18.3% +0.3pp YoY -0.2pp QoQ	+6.1pp	12.2%	11.6%	12.6%	95%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	101 +4 (+4.1%) YoY +1 (+1.0%) QoQ	+42	58	162	482	87%
Assets per Employee ($)	$6.3M +3.1% YoY +1.3% QoQ	-$1.2M	$7.5M	$8.0M	$8.8M	38%
Branch Count	13 +1 (+8.3%) YoY 0 QoQ	+8	4	10	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.3%	0.4%	67%
Nonaccrual	0.3% +0.2pp YoY +0.2pp QoQ	-0.6pp	0.9%	0.8%	1.0%	39%
Allowance Coverage	2.35x -45.7% YoY -54.7% QoQ	-21.81x	24.15x	10.47x	20.23x	52%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.3%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	12.3% -1.1pp YoY +0.4pp QoQ	+0.1pp	12.2%	14.3%	11.6%	51%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	13%
Net Income ($, YTD)	$7.0M +4.5% YoY — QoQ	+$4.4M	$2.6M	$11.3M	$40.4M	95%

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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 (2)

Liquidity Overhang

risk

#251 of 742 • Bottom 33.7% 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: 18.31%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#520 of 1256 • Bottom 41.3% in tier

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

Why this signature

Delinquency Rate: 0.52%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

137

Efficiency Ratio

profitability

Value: 41.26%

Peer Median: 64.48%

#137 of 2643 Top 5.1% in $100M-$1B

202

Net Interest Margin

profitability

Value: 5.03%

Peer Median: 3.99%

#202 of 2643 Top 7.6% in $100M-$1B

208

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.32%

#208 of 2643 Top 7.8% in $100M-$1B

409

Total Loans

size

Value: $454.13M

Peer Median: $258.35M

#409 of 2643 Top 15.4% in $100M-$1B

446

Total Assets

size

Value: $635.54M

Peer Median: $386.57M

#446 of 2643 Top 16.8% in $100M-$1B

475

Tier 1 Capital Ratio

capital

Value: 18.31%

Peer Median: 15.91%

#475 of 2643 Top 17.9% in $100M-$1B

491

Total Deposits

size

Value: $515.22M

Peer Median: $326.73M

#491 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available