BlastPoint's Banking Scorecard
Legends Bank
Clarksville, TN
9 branches across TN
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 72 in TN.
- Deposits +6.5% year over year ($824.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.04%.
- Efficiency ratio 67.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Legends Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency Ratio 2.87% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$927.7M
+5.0% YoY
-1.3% QoQ
|
+$541.1M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 2.8% in tier |
| Total Loans ? |
$662.4M
+6.3% YoY
+0.5% QoQ
|
+$404.0M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 3.6% in tier |
| Total Deposits ? |
$824.1M
+6.5% YoY
-1.1% QoQ
|
+$497.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 1.2% in tier |
| Return on Assets ? |
1.04%
+5.6% YoY
-1.5% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.95%
+7.0% YoY
+1.0% QoQ
|
-0.03% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
67.35%
-3.0% YoY
+0.1% QoQ
|
+2.87% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.38%
-0.2% YoY
+1.6% QoQ
|
+2.42% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
19.99%
-4.0% YoY
+2.0% QoQ
|
-2.04% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.09%
+0.4% YoY
-1.8% QoQ
|
-3.82% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.31%
-5.6% YoY
+106.0% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
73% |
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.0%
-0.8pp YoY +0.4pp QoQ |
-2.2pp | 22.1% | 18.8% | 22.2% | 45% |
| Brokered Deposits |
6.7%
-1.3pp YoY -0.7pp QoQ |
-1.2pp | 7.9% | 9.4% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.8%
-0.1pp YoY -0.4pp QoQ |
-0.7pp | 11.6% | 10.9% | 12.5% | 57% |
| CRE |
66.6%
+3.8pp YoY +1.4pp QoQ |
+27.1pp | 39.5% | 42.4% | 41.4% | 90% |
| 1-4 Family |
20.2%
-2.9pp YoY -0.7pp QoQ |
-12.5pp | 32.6% | 39.8% | 31.3% | 30% |
| Consumer |
2.1%
-0.5pp YoY -0.2pp QoQ |
-2.1pp | 4.1% | 4.5% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+0.1pp YoY -0.2pp QoQ |
-6.7pp | 18.8% | 14.8% | 19.7% | 18% |
| Leverage Ratio |
10.0%
-0.1pp YoY -0.4pp QoQ |
-2.2pp | 12.2% | 11.4% | 12.6% | 31% |
| Total Capital Ratio |
13.1%
+0.2pp YoY -0.2pp QoQ |
-6.8pp | 19.9% | 15.9% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
133
-4 (-2.9%) YoY 0 QoQ |
+74 | 58 | 270 | 482 | 96% |
| Assets per Employee ($) |
$7.0M
+8.2% YoY -1.3% QoQ |
-$543K | $7.5M | $7.1M | $8.8M | 52% |
| Branch Count |
9
-1 (-10.0%) YoY -1 (-10.0%) QoQ |
+4 | 4 | 17 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 28.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+0.2pp YoY -0.1pp QoQ |
-1.4pp | 12.2% | 10.9% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 2.0% | 1.7% | 70% |
| Net Income ($, YTD) |
$4.8M
+12.1% YoY — QoQ |
+$2.3M | $2.6M | $16.7M | $40.4M | 86% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.