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Legacy State Bank

$100M-$1B Specialty: Commercial GA FDIC cert 57882

Loganville, GA

2 branches across GA

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 96 in GA.
  • Deposits +15.7% year over year ($180.2M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.11%.
  • Efficiency ratio 62.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.22% 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 96 in GA
View $100M-$1B leaderboard (GA) →

Legacy State Bank has 3 strengths 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

  • + Credit Quality Leader: Top 3.2% in tier
  • + Net Interest Margin 0.06% above tier average
  • + Efficiency Ratio 2.30% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.5% in tier
  • - NIB Deposit Bleed: Bottom 34.6% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - ROA 0.22% below tier average
Get updates when Legacy State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $205.9M
+13.7% YoY -0.0% QoQ
-$180.7M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $153.6M
+19.8% YoY +6.1% QoQ
-$104.7M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $180.2M
+15.7% YoY +0.8% QoQ
-$146.5M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.11%
+24.0% YoY +13.3% QoQ
-0.22% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 4.05%
+2.1% YoY +1.8% QoQ
+0.06% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 62.18%
-7.2% YoY -5.9% QoQ
-2.30% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.05%
-5.8% QoQ
-0.87% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 85.22%
+3.6% YoY +5.3% QoQ
+7.27% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 13.49%
-19.2% YoY -7.2% QoQ
-8.54% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.04%
+0.0% QoQ
-0.63% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 12.05%
-19.9% YoY -15.1% QoQ
-3.85% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.04%
-23.5% YoY +105.6% QoQ
-0.53% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Bottom 3.3% in tier

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 (GA) National Avg Tier Percentile
Noninterest-Bearing 13.5%
-3.2pp YoY
-1.0pp QoQ
 -8.7pp 22.1% 26.2% 22.2% 19%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 3.7%
+1.4pp YoY
+0.9pp QoQ
 -7.8pp 11.6% 9.7% 12.5% 13%
CRE 73.8%
+5.0pp YoY
+0.2pp QoQ
 +34.3pp 39.5% 48.9% 41.4% 95%
1-4 Family 20.5%
-5.8pp YoY
-0.7pp QoQ
 -12.1pp 32.6% 31.7% 31.3% 31%
Consumer 2.1%
-0.5pp YoY
-0.4pp QoQ
 -2.1pp 4.1% 4.8% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 12.1%
-0.2pp YoY
-0.1pp QoQ
 -0.1pp 12.2% 14.0% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 24
+1 (+4.3%) YoY
0 QoQ
 -35 58 98 482 17%
Assets per Employee ($) $8.6M
+9.0% YoY
0.0% QoQ
 +$1.1M $7.5M $7.5M $8.8M 75%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 11%
Allowance Coverage 24.03x
+3.8% QoQ
 -0.13x 24.15x 38.10x 20.23x 90%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 9.8%
+1.9pp YoY
+1.2pp QoQ
 -2.4pp 12.2% 13.6% 11.6% 36%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 73%
Net Income ($, YTD) $1.1M
+39.5% YoY
— QoQ
 -$1.4M $2.6M $6.6M $40.4M 30%

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 (1)

Credit Quality Leader

growth
#22 of 659 • Top 3.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#120 of 1256 • Bottom 9.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#57 of 162 • Bottom 34.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.49%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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

Top Strengths (2 metrics)

512
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#512 of 2643 Top 19.3% in $100M-$1B
543
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#543 of 2633 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2558
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2558 of 2643 Bottom 3.3% in $100M-$1B
2139
Non-Interest-Bearing Deposit Share
funding
Value: 13.49%
Peer Median: 22.03%
#2139 of 2643 Bottom 19.1% in $100M-$1B
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