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Legacy Bank

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

Colwich, KS

10 branches across KS

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 117 in KS.
  • Deposits +3.0% year over year ($721.8M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.22%.
  • Efficiency ratio 59.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.22% 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 117 in KS
View $100M-$1B leaderboard (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

  • + Credit Quality Leader: Top 2.3% in tier
  • + Net Interest Margin 0.37% above tier average
  • + Efficiency Ratio 4.99% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.7% in tier
  • - ROA 0.10% below tier average
Get updates when Legacy Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $865.0M
+5.8% YoY +0.5% QoQ
+$478.4M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 5.1% in tier
Total Loans ? $672.9M
+12.5% YoY +0.7% QoQ
+$414.6M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 3.3% in tier
Total Deposits ? $721.8M
+3.0% YoY -1.3% QoQ
+$395.1M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 5.4% in tier
Return on Assets ? 1.22%
+1.1% YoY +1.7% QoQ
-0.10% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.36%
+7.0% YoY +0.2% QoQ
+0.37% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 59.49%
+3.5% YoY +0.9% QoQ
-4.99% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.06%
+13.8% QoQ
-0.86% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 93.22%
+9.2% YoY +2.0% QoQ
+15.27% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 23.67%
-1.2% YoY -2.6% QoQ
+1.64% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.04%
+553.3% YoY +13.9% QoQ
-0.62% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 11.30%
-1.2% YoY +1.7% QoQ
-4.61% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.19%
+10.3% YoY +108.9% QoQ
-0.38% 0.57%
+7.6% YoY
0.59%
-1.1% 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 (KS) National Avg Tier Percentile
Noninterest-Bearing 23.7%
-0.3pp YoY
-0.6pp QoQ
 +1.5pp 22.1% 22.3% 22.2% 61%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.0%
-0.4pp YoY
-0.3pp QoQ
 -3.5pp 11.6% 12.6% 12.5% 41%
CRE 56.9%
+1.7pp YoY
+1.3pp QoQ
 +17.4pp 39.5% 28.8% 41.4% 81%
1-4 Family 26.9%
-0.3pp YoY
+0.1pp QoQ
 -5.7pp 32.6% 26.7% 31.3% 44%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.6% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.3%
-0.1pp YoY
+0.2pp QoQ
 -7.5pp 18.8% 23.3% 19.7% 10%
Leverage Ratio 10.6%
+0.4pp YoY
+0.1pp QoQ
 -1.6pp 12.2% 12.6% 12.6% 42%
Total Capital Ratio 12.5%
-0.1pp YoY
+0.2pp QoQ
 -7.4pp 19.9% 24.4% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 137
+4 (+3.0%) YoY
+1 (+0.7%) QoQ
 +78 58 70 482 96%
Assets per Employee ($) $6.3M
+2.7% YoY
-0.3% QoQ
 -$1.2M $7.5M $7.1M $8.8M 39%
Branch Count 10
+1 (+11.1%) YoY
0 QoQ
 +5 4 6 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
 -0.9pp 0.9% 0.8% 1.0% 13%
Allowance Coverage 22.32x
-98.3% YoY
-9.6% QoQ
 -1.84x 24.15x 22.44x 20.23x 89%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 12.5%
-0.8pp YoY
+0.1pp QoQ
 +0.3pp 12.2% 14.3% 11.6% 52%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 66%
Net Income ($, YTD) $5.2M
+8.6% YoY
— QoQ
 +$2.6M $2.6M $3.7M $40.4M 88%

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)

Credit Quality Leader

growth
#16 of 659 • Top 2.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#135 of 1256 • Bottom 10.7% in tier

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

Why this signature
Delinquency Rate: 0.06%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

87
Total Loans
size
Value: $672.90M
Peer Median: $258.35M
#87 of 2643 Top 3.3% in $100M-$1B
135
Total Assets
size
Value: $864.97M
Peer Median: $386.57M
#135 of 2643 Top 5.1% in $100M-$1B
145
Total Deposits
size
Value: $721.83M
Peer Median: $326.73M
#145 of 2643 Top 5.4% in $100M-$1B
548
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#548 of 2643 Top 20.7% in $100M-$1B
573
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#573 of 2633 Top 21.7% in $100M-$1B

Top Weaknesses (1 metrics)

2123
Loan-to-Deposit Ratio
liquidity
Value: 93.22%
Peer Median: 77.95%
#2123 of 2643 Bottom 19.7% in $100M-$1B
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