BlastPoint's Banking Scorecard
Legends West Bank
Lewellen, NE
2 branches across NE · SD
Legends West Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 35.3% in tier
- - Nonperforming Asset Ratio 1.10% above tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.70% below tier average
- - Net Interest Margin 0.12% below tier average
- - Efficiency Ratio 1.01% above tier average
- - Delinquency Rate 1.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.0M
+74.2% YoY
+3.6% QoQ
|
-$232.0M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$125.4M
+68.0% YoY
+6.4% QoQ
|
-$130.3M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$135.4M
+83.1% YoY
+2.7% QoQ
|
-$192.6M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
0.57%
+237.0% YoY
+42.9% QoQ
|
-0.70% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.81%
-2.6% YoY
-10.5% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
66.29%
-26.0% YoY
+4.7% QoQ
|
+1.01% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
2.14%
-61.5% YoY
-24.9% QoQ
|
+1.25% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.3% in tier |
| Loan-to-Deposit Ratio ? |
92.65%
-8.2% YoY
+3.6% QoQ
|
+16.01% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
7.23%
-25.0% YoY
+16.8% QoQ
|
-14.79% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.0% in tier |
| Nonperforming Asset Ratio ? |
1.74%
-62.9% YoY
-22.9% QoQ
|
+1.10% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.8% in tier |
| Tier 1 Capital Ratio ? |
11.42%
-28.0% YoY
-5.1% QoQ
|
-4.41% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.02%
+23.6% YoY
-65.3% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.7% in tier |
Get Full Access to Legends West Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.