BlastPoint's Banking Scorecard
Legacy Bank
Grundy, VA
4 branches across VA
Legacy Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 11.4% in tier
- - NIB Deposit Bleed: Bottom 40.9% in tier
- - ROA 0.36% below tier average
- - Net Interest Margin 0.90% below tier average
- - Efficiency Ratio 1.59% above tier average
- - Delinquency Rate 0.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$357.8M
+5.7% YoY
-1.6% QoQ
|
-$28.3M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$227.0M
+12.5% YoY
-2.9% QoQ
|
-$28.7M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$290.7M
+4.6% YoY
+1.2% QoQ
|
-$37.2M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
0.91%
+0.7% YoY
+2.8% QoQ
|
-0.36% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.03%
-9.0% YoY
-4.2% QoQ
|
-0.90% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
66.87%
+0.9% YoY
+2.4% QoQ
|
+1.59% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
1.82%
+92.5% YoY
+5.6% QoQ
|
+0.93% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
78.07%
+7.6% YoY
-4.1% QoQ
|
+1.43% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
20.43%
-21.2% YoY
-15.3% QoQ
|
-1.59% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.44%
+50.5% YoY
+3.4% QoQ
|
+0.80% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
27.92%
-7.7% YoY
+3.0% QoQ
|
+12.09% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Top 4.7% in tier |
| Non-Interest Income / Assets ? |
0.11%
+378.1% YoY
+6.9% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.