BlastPoint's Banking Scorecard

Legacy Bank

$100M-$1B Specialty: Commercial KS FDIC cert 17676

Colwich, KS

10 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Legacy Bank has 3 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

+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 6.31% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 44.8% in tier
- ROA 0.07% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$860.8M +7.0% YoY +4.2% QoQ	+$474.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 5.3% in tier
Total Loans ?	$668.5M +10.4% YoY +5.6% QoQ	+$412.8M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 3.6% in tier
Total Deposits ?	$731.3M +7.4% YoY +3.9% QoQ	+$403.4M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 5.3% in tier
Return on Assets ?	1.20% -4.5% YoY -4.0% QoQ	-0.07%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	4.35% +6.9% YoY +5.2% QoQ	+0.42%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	58.98% +3.8% YoY +2.9% QoQ	-6.31%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.05% -70.4% YoY +210.8% QoQ	-0.84%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	91.41% +2.8% YoY +1.6% QoQ	+14.77%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	24.30% +4.9% YoY +2.7% QoQ	+2.28%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.04% -78.4% YoY +214.8% QoQ	-0.60%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.11% -1.2% YoY -2.8% QoQ	-4.72%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.09% +15.7% YoY -74.8% QoQ	-0.19%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	46%

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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 Strain

risk

#289 of 643 • Bottom 44.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.41%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Loans

size

Value: $668.52M

Peer Median: $255.72M

#96 of 2664 Top 3.6% in $100M-$1B

141

Total Assets

size

Value: $860.82M

Peer Median: $386.08M

#141 of 2664 Top 5.3% in $100M-$1B

142

Total Deposits

size

Value: $731.34M

Peer Median: $327.97M

#142 of 2664 Top 5.3% in $100M-$1B

542

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#542 of 2664 Top 20.3% in $100M-$1B

556

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#556 of 2654 Top 20.9% in $100M-$1B

646

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#646 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (2 metrics)

2084

Loan-to-Deposit Ratio

liquidity

Value: 91.41%

Peer Median: 76.64%

#2084 of 2664 Bottom 21.8% in $100M-$1B

2013

Tier 1 Capital Ratio

capital

Value: 11.11%

Peer Median: 15.83%

#2013 of 2664 Bottom 24.5% in $100M-$1B