BlastPoint's Banking Scorecard
Legacy State Bank
Loganville, GA
2 branches across GA
Legacy State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.6% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.29% below tier average
- - Efficiency Ratio 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.9M
+13.1% YoY
+7.6% QoQ
|
-$180.2M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$144.7M
+17.7% YoY
+9.2% QoQ
|
-$111.0M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$178.8M
+15.1% YoY
+8.7% QoQ
|
-$149.2M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.98%
+62.2% YoY
-5.8% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.97%
+7.0% YoY
-1.0% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
66.07%
-13.9% YoY
+3.6% QoQ
|
+0.78% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.05%
-8.4% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
80.95%
+2.3% YoY
+0.5% QoQ
|
+4.31% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
14.54%
-9.7% YoY
-2.8% QoQ
|
-7.48% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.04%
-7.1% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
14.20%
-4.1% YoY
-5.3% QoQ
|
-1.63% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.02%
-29.3% YoY
-81.1% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.4% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.