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Legacy Bank

$100M-$1B Specialty: Commercial VA FDIC cert 19011

Grundy, VA

4 branches across VA

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 23 in VA.
  • Deposits -5.4% year over year ($279.7M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 0.85%.
  • Efficiency ratio 66.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.86% 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 23 in VA
View $100M-$1B leaderboard (VA) →

Legacy Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 2.8% in tier
  • - Liquidity Overhang: Bottom 10.4% in tier
  • - Flatlined Growth: Bottom 31.8% in tier
  • - NIB Deposit Bleed: Bottom 42.6% in tier
  • - ROA 0.48% below tier average
  • - Net Interest Margin 0.86% below tier average
  • - Efficiency Ratio 2.08% above tier average
  • - Delinquency Rate 0.89% above tier average
Get updates when Legacy Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $360.2M
+0.7% YoY +0.7% QoQ
-$26.3M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $231.8M
+13.2% YoY +2.1% QoQ
-$26.6M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $279.7M
-5.4% YoY -3.8% QoQ
-$47.0M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.85%
-5.6% YoY -6.6% QoQ
-0.48% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.13%
-1.6% YoY +3.1% QoQ
-0.86% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Bottom 13.5% in tier
Efficiency Ratio ? 66.56%
+2.1% YoY -0.5% QoQ
+2.08% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 1.80%
+91.0% YoY -0.7% QoQ
+0.89% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Bottom 14.5% in tier
Loan-to-Deposit Ratio ? 82.86%
+19.7% YoY +6.1% QoQ
+4.91% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 20.21%
-22.7% YoY -1.1% QoQ
-1.82% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 1.44%
+58.8% YoY +0.2% QoQ
+0.77% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
Bottom 12.8% in tier
Tier 1 Capital Ratio ? 27.83%
-7.7% YoY -0.3% QoQ
+11.92% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
Top 5.0% in tier
Non-Interest Income / Assets ? 0.13%
+129.2% YoY +24.2% QoQ
-0.43% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
29%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 20.2%
-5.9pp YoY
-0.2pp QoQ
 -1.9pp 22.1% 26.2% 22.2% 46%
Brokered Deposits n/a n/a 7.9% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 7.8%
+0.9pp YoY
-0.2pp QoQ
 -3.7pp 11.6% 11.0% 12.5% 39%
CRE 60.9%
-1.3pp YoY
-0.3pp QoQ
 +21.4pp 39.5% 46.9% 41.4% 86%
1-4 Family 18.4%
+1.0pp YoY
+0.6pp QoQ
 -14.2pp 32.6% 32.6% 31.3% 27%
Consumer 8.6%
0.0pp YoY
+0.1pp QoQ
 +4.5pp 4.1% 8.0% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 27.8%
-2.3pp YoY
-0.1pp QoQ
 +9.0pp 18.8% 17.2% 19.7% 92%
Leverage Ratio 20.6%
-0.7pp YoY
+0.2pp QoQ
 +8.5pp 12.2% 12.2% 12.6% 97%
Total Capital Ratio 28.8%
-2.5pp YoY
-0.1pp QoQ
 +8.9pp 19.9% 18.3% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 49
0 YoY
0 QoQ
 -10 58 1,956 482 52%
Assets per Employee ($) $7.4M
+0.7% YoY
+0.7% QoQ
 -$167K $7.5M $9.9M $8.8M 58%
Branch Count 4
0 YoY
0 QoQ
 -1 4 28 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.2pp YoY
0.0pp QoQ
 +0.4pp 0.3% 0.2% 0.4% 87%
Nonaccrual 1.1%
+0.6pp YoY
0.0pp QoQ
 +0.2pp 0.9% 0.7% 1.0% 74%
Allowance Coverage 0.62x
-58.3% YoY
-0.6% QoQ
 -23.53x 24.15x 9.47x 20.23x 15%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.2% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 4.8%
-0.4pp YoY
-0.4pp QoQ
 -7.4pp 12.2% 12.0% 11.6% 13%
Cost of Funds (YTD) 2.0%
+0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 70%
Net Income ($, YTD) $1.5M
-1.2% YoY
— QoQ
 -$1.0M $2.6M $137.1M $40.4M 42%

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 (4)

Deposit Outflow

decline
#16 of 535 • Bottom 2.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#78 of 742 • Bottom 10.4% 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: 27.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.86%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#169 of 529 • Bottom 31.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.85%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

NIB Deposit Bleed

decline
#70 of 162 • Bottom 42.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.21%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

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 (1 metrics)

133
Tier 1 Capital Ratio
capital
Value: 27.83%
Peer Median: 15.91%
#133 of 2643 Top 5.0% in $100M-$1B

Top Weaknesses (3 metrics)

2307
Nonperforming Asset Ratio
credit_quality
Value: 1.44%
Peer Median: 0.67%
#2307 of 2643 Bottom 12.8% in $100M-$1B
2287
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2287 of 2643 Bottom 13.5% in $100M-$1B
2251
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2251 of 2633 Bottom 14.5% in $100M-$1B
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