BlastPoint's Banking Scorecard
Legend Bank, N.A.
Designations: ✓ Community bank
Bowie, TX
15 branches across TX
Legend Bank, N.A. shows strong momentum with 4 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12.2% in tier
- + Net Interest Margin 0.89% above tier average
- + Efficiency Ratio 2.14% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+7.7% YoY
+2.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$821.4M
+5.6% YoY
+2.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$1.1B
+6.7% YoY
+2.8% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.92%
+64.8% YoY
+21.7% QoQ
|
+0.55% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 12.4% in tier |
| Net Interest Margin ? |
4.70%
+4.7% YoY
+4.6% QoQ
|
+0.89% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 8.1% in tier |
| Efficiency Ratio ? |
58.92%
-2.0% YoY
-1.6% QoQ
|
-2.14% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.11%
-86.6% YoY
-72.2% QoQ
|
-0.78% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 12.6% in tier |
| Loan-to-Deposit Ratio ? |
73.73%
-1.0% YoY
-0.5% QoQ
|
-10.47% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
23.62%
-3.8% YoY
-1.5% QoQ
|
+2.33% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.08%
-86.2% YoY
-71.7% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.5% in tier |
| Tier 1 Capital Ratio ? |
13.84%
+4.3% YoY
-0.3% QoQ
|
-1.32% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.17%
-4.5% YoY
-74.0% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.