BlastPoint's Banking Scorecard
Legend Bank, N.A.
Designations: ✓ Community bank
Bowie, TX
15 branches across TX
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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +5.5% year over year ($1.1B on the books).
- Delinquency rate 0.12%.
- Return on assets 1.95%.
- Efficiency ratio 58.48% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.06% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Legend Bank, N.A. has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.1% in tier
- + Profitability Leader: Top 23.4% in tier
- + Net Interest Margin 0.85% above tier average
- + Efficiency Ratio 1.24% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.5% in tier
- - Credit Risk Growth: Bottom 39.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+6.9% YoY
+1.9% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$813.1M
+8.9% YoY
-1.0% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$1.1B
+5.5% YoY
+1.3% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.95%
+33.0% YoY
+1.8% QoQ
|
+0.56% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 13.3% in tier |
| Net Interest Margin ? |
4.72%
+5.7% YoY
+0.3% QoQ
|
+0.85% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 8.7% in tier |
| Efficiency Ratio ? |
58.48%
-1.8% YoY
-0.7% QoQ
|
-1.24% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.12%
+53.7% YoY
+5.3% QoQ
|
-0.75% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 14.1% in tier |
| Loan-to-Deposit Ratio ? |
72.06%
+3.2% YoY
-2.3% QoQ
|
-12.98% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
24.80%
-2.7% YoY
+5.0% QoQ
|
+3.52% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.09%
+10.2% YoY
+7.7% QoQ
|
-0.59% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 13.8% in tier |
| Tier 1 Capital Ratio ? |
14.14%
-0.5% YoY
+2.2% QoQ
|
-0.70% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.34%
-1.2% YoY
+97.2% QoQ
|
-0.19% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.8%
-0.7pp YoY +1.2pp QoQ |
+3.4pp | 21.4% | 29.2% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.9%
+1.9pp YoY +0.4pp QoQ |
-1.1pp | 14.0% | 14.8% | 12.5% | 59% |
| CRE |
43.1%
-3.7pp YoY -0.4pp QoQ |
-7.0pp | 50.0% | 48.4% | 41.4% | 30% |
| 1-4 Family |
15.7%
-3.0pp YoY -0.1pp QoQ |
-10.7pp | 26.4% | 25.8% | 31.3% | 32% |
| Consumer |
0.9%
-0.1pp YoY +0.1pp QoQ |
-3.8pp | 4.7% | 4.7% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-0.1pp YoY +0.3pp QoQ |
-1.5pp | 15.6% | 22.7% | 19.7% | 60% |
| Leverage Ratio |
10.4%
+0.2pp YoY +0.1pp QoQ |
-1.0pp | 11.3% | 12.6% | 12.6% | 46% |
| Total Capital Ratio |
15.3%
0.0pp YoY +0.3pp QoQ |
-1.4pp | 16.7% | 23.8% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
209
+3 (+1.5%) YoY +3 (+1.5%) QoQ |
-105 | 313 | 186 | 482 | 44% |
| Assets per Employee ($) |
$6.1M
+5.4% YoY +0.5% QoQ |
-$4.4M | $10.5M | $10.1M | $8.8M | 13% |
| Branch Count |
15
0 YoY 0 QoQ |
-5 | 20 | 12 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 38% |
| Nonaccrual |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 11% |
| Allowance Coverage |
10.97x
-27.2% YoY -1.9% QoQ |
-7.74x | 18.71x | 18.82x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.1%
-1.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.5%
+3.3pp YoY +0.4pp QoQ |
+7.9pp | 12.6% | 13.2% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 31% |
| Net Income ($, YTD) |
$12.2M
+42.4% YoY — QoQ |
-$7.1M | $19.2M | $15.9M | $40.4M | 49% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.