BlastPoint's Banking Scorecard

Legacy Bank

$1B-$10B Specialty: Commercial AR FDIC cert 57953

Designations: ✓ Community bank

Springdale, AR

10 branches across AR

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
Deposits +7.9% year over year ($1.1B on the books).
Delinquency rate 0.10%.
Return on assets 1.40%.
Efficiency ratio 55.54% vs a 59.73% peer average.
Loan-to-deposit ratio 93.69% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR

View $1B-$10B leaderboard (AR) →

Legacy Bank has 3 strengths but faces 1 concern

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 0.33% above tier average
+ Efficiency Ratio 4.19% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 41.0% in tier

Get updates when Legacy Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$1.3B +8.3% YoY +3.9% QoQ	-$1.5B	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$1.1B +16.9% YoY +1.2% QoQ	-$889.9M	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	35%
Total Deposits ?	$1.1B +7.9% YoY +4.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	1.40% +78.3% YoY +5.9% QoQ	+0.01%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.20% +21.4% YoY -0.5% QoQ	+0.33%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	55.54% -16.4% YoY +1.0% QoQ	-4.19%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.10% -69.2% YoY -28.5% QoQ	-0.77%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	Top 11.9% in tier
Loan-to-Deposit Ratio ?	93.69% +8.4% YoY -2.8% QoQ	+8.66%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	18.89% -7.7% YoY +1.0% QoQ	-2.38%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.13% -47.3% YoY +10.4% QoQ	-0.54%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	10.03% -0.4% YoY +2.4% QoQ	-4.81%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 6.1% in tier
Non-Interest Income / Assets ?	0.17% +25.9% YoY +120.4% QoQ	-0.36%	0.53% +2.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	24%

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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	18.9% -1.6pp YoY +0.2pp QoQ	-2.5pp	21.4%	19.6%	22.2%	44%
Brokered Deposits	4.8% -3.1pp QoQ	-4.7pp	9.5%	7.2%	8.5%	48%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	6.9% +0.6pp YoY +0.3pp QoQ	-7.1pp	14.0%	12.7%	12.5%	28%
CRE	45.0% +4.3pp YoY -0.4pp QoQ	-5.1pp	50.0%	41.0%	41.4%	36%
1-4 Family	27.8% -0.1pp YoY +1.3pp QoQ	+1.4pp	26.4%	28.1%	31.3%	61%
Consumer	1.0% +0.1pp YoY -0.3pp QoQ	-3.8pp	4.7%	4.5%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	10.0% 0.0pp YoY +0.2pp QoQ	-5.6pp	15.6%	15.1%	19.7%	1%
Leverage Ratio	8.8% +0.4pp YoY -0.1pp QoQ	-2.5pp	11.3%	11.9%	12.6%	9%
Total Capital Ratio	11.3% 0.0pp YoY +0.2pp QoQ	-5.4pp	16.7%	16.3%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	155 +16 (+11.5%) YoY +5 (+3.3%) QoQ	-159	313	315	482	24%
Assets per Employee ($)	$8.2M -2.9% YoY +0.6% QoQ	-$2.3M	$10.5M	$6.7M	$8.8M	43%
Branch Count	10 0 YoY 0 QoQ	-10	20	25	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.2%	0.1%	0.4%	3%
Nonaccrual	0.1% -0.2pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.1%	1.0%	11%
Allowance Coverage	13.28x +214.5% YoY +39.2% QoQ	-5.43x	18.71x	4.69x	20.23x	92%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	15.5% +6.4pp YoY +0.9pp QoQ	+2.9pp	12.6%	12.3%	11.6%	76%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	2.0%	1.7%	68%
Net Income ($, YTD)	$8.6M +92.3% YoY — QoQ	-$10.7M	$19.2M	$16.0M	$40.4M	32%

Get Full Access to Legacy Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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)

Capital Thin

risk

#92 of 222 • Bottom 41.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.03%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

106

Delinquency Rate

credit_quality

Value: 0.10%

Peer Median: 0.87%

#106 of 882 Top 11.9% in $1B-$10B

171

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#171 of 885 Top 19.2% in $1B-$10B

204

Net Interest Margin

profitability

Value: 4.20%

Peer Median: 3.87%

#204 of 885 Top 22.9% in $1B-$10B

Top Weaknesses (3 metrics)

832

Tier 1 Capital Ratio

capital

Value: 10.03%

Peer Median: 14.84%

#832 of 885 Bottom 6.1% in $1B-$10B

699

Total Assets

size

Value: $1.27B

Peer Median: $2.79B

#699 of 885 Bottom 21.1% in $1B-$10B

676

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#676 of 885 Bottom 23.7% in $1B-$10B