BlastPoint's Banking Scorecard
Legacy National Bank
Designations: ✓ Community bank
Springdale, AR
10 branches across AR
Legacy National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 6.04% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+6.4% YoY
+3.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$1.1B
+22.0% YoY
+2.9% QoQ
|
-$903.8M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$1.1B
+5.7% YoY
+6.3% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.33%
+84.8% YoY
+33.7% QoQ
|
-0.04% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
4.22%
+28.1% YoY
+11.9% QoQ
|
+0.40% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
55.02%
-21.2% YoY
-9.5% QoQ
|
-6.04% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.14%
-64.6% YoY
+42.6% QoQ
|
-0.75% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
96.40%
+15.4% YoY
-3.3% QoQ
|
+12.19% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
18.71%
-6.2% YoY
-13.3% QoQ
|
-2.58% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.12%
-59.4% YoY
+6.3% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
9.80%
-5.0% YoY
+4.3% QoQ
|
-5.36% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.3% in tier |
| Non-Interest Income / Assets ? |
0.08%
+13.8% YoY
-74.8% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
21% |
Get Full Access to Legacy National 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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.