BlastPoint's Banking Scorecard

Legacy Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4042

Hinton, OK

10 branches across OK

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 106 in OK.
Deposits +7.8% year over year ($624.8M on the books).
Delinquency rate 3.27%.
Return on assets 0.22%.
Efficiency ratio 92.26% vs a 64.48% peer average.
Loan-to-deposit ratio 66.26% 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 106 in OK

View $100M-$1B leaderboard (OK) →

Legacy Bank has 1 strength but faces 4 concerns

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

+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.0% in tier
- Return on Assets 1.10% below tier average
- Delinquency Rate 2.35% above tier average
- Nonperforming Asset Ratio 1.30% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$686.5M +6.9% YoY -1.1% QoQ	+$299.9M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 13.2% in tier
Total Loans ?	$414.0M +12.1% YoY +2.6% QoQ	+$155.6M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$624.8M +7.8% YoY -1.1% QoQ	+$298.1M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 10.7% in tier
Return on Assets ?	0.22% -58.5% YoY -34.9% QoQ	-1.10%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 6.1% in tier
Net Interest Margin ?	4.19% -8.4% YoY -2.9% QoQ	+0.21%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	92.26% +9.0% YoY +3.8% QoQ	+27.78%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 4.5% in tier
Delinquency Rate ?	3.27% -31.5% YoY +156.4% QoQ	+2.35%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	66.26% +4.0% YoY +3.7% QoQ	-11.70%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	20.97% -7.2% YoY +2.0% QoQ	-1.06%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	1.97% -31.4% YoY +143.6% QoQ	+1.30%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 7.4% in tier
Tier 1 Capital Ratio ?	14.83% -12.7% YoY -3.7% QoQ	-1.07%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.21% -42.6% YoY +74.4% QoQ	-0.35%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	54%

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	21.0% -1.6pp YoY +0.4pp QoQ	-1.2pp	22.1%	23.9%	22.2%	49%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	11.6% -0.1pp YoY -0.6pp QoQ	0.0pp	11.6%	15.7%	12.5%	61%
CRE	58.5% +3.4pp YoY +2.6pp QoQ	+19.0pp	39.5%	42.0%	41.4%	82%
1-4 Family	24.0% -1.2pp YoY -1.4pp QoQ	-8.6pp	32.6%	24.0%	31.3%	39%
Consumer	1.1% 0.0pp YoY 0.0pp QoQ	-3.0pp	4.1%	5.6%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	14.8% -2.2pp YoY -0.6pp QoQ	-4.0pp	18.8%	17.0%	19.7%	47%
Leverage Ratio	8.5% -0.7pp YoY -0.2pp QoQ	-3.6pp	12.2%	11.7%	12.6%	6%
Total Capital Ratio	16.1% -2.2pp YoY -0.6pp QoQ	-3.8pp	19.9%	18.2%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	155 -3 (-1.9%) YoY 0 QoQ	+96	58	150	482	98%
Assets per Employee ($)	$4.4M +8.9% YoY -1.1% QoQ	-$3.1M	$7.5M	$6.5M	$8.8M	8%
Branch Count	10 0 YoY 0 QoQ	+5	4	8	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	3.3% -1.5pp YoY +2.0pp QoQ	+2.3pp	0.9%	1.5%	1.0%	95%
Allowance Coverage	0.50x +51.5% YoY -60.1% QoQ	-23.66x	24.15x	61.99x	20.23x	10%
Net Charge-off Rate (YTD)	-0.1% -0.2pp YoY -0.1pp QoQ	-0.2pp	0.1%	0.2%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	2.6% -3.3pp YoY -1.4pp QoQ	-9.6pp	12.2%	11.9%	11.6%	7%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	68%
Net Income ($, YTD)	$763,000 -55.2% YoY — QoQ	-$1.8M	$2.6M	$8.7M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Efficiency Drag

risk

#95 of 361 • Bottom 26.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 92.26%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

283

Total Deposits

size

Value: $624.81M

Peer Median: $326.73M

#283 of 2643 Top 10.7% in $100M-$1B

349

Total Assets

size

Value: $686.47M

Peer Median: $386.57M

#349 of 2643 Top 13.2% in $100M-$1B

514

Total Loans

size

Value: $413.98M

Peer Median: $258.35M

#514 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (4 metrics)

2525

Efficiency Ratio

profitability

Value: 92.26%

Peer Median: 64.48%

#2525 of 2643 Bottom 4.5% in $100M-$1B

2491

Delinquency Rate

credit_quality

Value: 3.27%

Peer Median: 0.92%

#2491 of 2633 Bottom 5.4% in $100M-$1B

2484

Return on Assets

profitability

Value: 0.22%

Peer Median: 1.32%

#2484 of 2643 Bottom 6.1% in $100M-$1B

2448

Nonperforming Asset Ratio

credit_quality

Value: 1.97%

Peer Median: 0.67%

#2448 of 2643 Bottom 7.4% in $100M-$1B