BlastPoint's Banking Scorecard
Legends West Bank
Lewellen, NE
2 branches across NE · SD
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 81 in NE.
- Deposits +50.4% year over year ($136.7M on the books).
- Delinquency rate 0.35%.
- Return on assets 0.60%.
- Efficiency ratio 63.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.47% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Legends West Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.64% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.13% below tier average
- - ROA 0.73% below tier average
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.8M
+49.5% YoY
+2.5% QoQ
|
-$228.8M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$127.8M
+40.4% YoY
+1.9% QoQ
|
-$130.5M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$136.7M
+50.4% YoY
+1.0% QoQ
|
-$190.0M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
0.60%
+462.6% YoY
+5.0% QoQ
|
-0.73% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 15.0% in tier |
| Net Interest Margin ? |
3.85%
-8.4% YoY
+1.1% QoQ
|
-0.14% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
63.84%
-12.6% YoY
-3.7% QoQ
|
-0.64% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.35%
-91.9% YoY
-83.5% QoQ
|
-0.56% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
93.47%
-6.6% YoY
+0.9% QoQ
|
+15.51% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
6.90%
-18.0% YoY
-4.5% QoQ
|
-15.13% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.94%
-75.2% YoY
-46.1% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.47%
-17.6% YoY
+0.4% QoQ
|
-4.44% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
+619.3% YoY
|
-0.35% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.9%
-1.5pp YoY -0.3pp QoQ |
-15.2pp | 22.1% | 17.6% | 22.2% | 5% |
| Brokered Deposits |
12.7%
+2.1pp QoQ |
+4.9pp | 7.9% | 8.9% | 8.5% | 81% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.9%
+1.4pp YoY +1.2pp QoQ |
+3.3pp | 11.6% | 12.3% | 12.5% | 75% |
| CRE |
51.1%
+2.1pp YoY -0.7pp QoQ |
+11.6pp | 39.5% | 32.3% | 41.4% | 72% |
| 1-4 Family |
12.5%
+0.1pp YoY +0.5pp QoQ |
-20.1pp | 32.6% | 16.9% | 31.3% | 15% |
| Consumer |
2.3%
-0.7pp YoY 0.0pp QoQ |
-1.8pp | 4.1% | 3.1% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-2.4pp YoY 0.0pp QoQ |
-0.7pp | 12.2% | 12.1% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+4 (+33.3%) YoY +1 (+6.7%) QoQ |
-43 | 58 | 98 | 482 | 5% |
| Assets per Employee ($) |
$9.9M
+12.1% YoY -4.0% QoQ |
+$2.3M | $7.5M | $8.5M | $8.8M | 85% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-4.0pp YoY -1.8pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 43% |
| Allowance Coverage |
3.17x
+753.5% YoY +316.0% QoQ |
-20.99x | 24.15x | 31.69x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
1.5%
+1.5pp YoY |
+1.3pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.3%
+6.3pp YoY +0.2pp QoQ |
-6.9pp | 12.2% | 12.3% | 11.6% | 14% |
| Cost of Funds (YTD) |
3.4%
0.0pp YoY -0.1pp QoQ |
+1.7pp | 1.7% | 1.9% | 1.7% | 100% |
| Net Income ($, YTD) |
$458,000
+710.7% YoY — QoQ |
-$2.1M | $2.6M | $6.1M | $40.4M | 10% |
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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.