BlastPoint's Banking Scorecard
Legence Bank
Community
Specialty: Agricultural
IL
FDIC cert 10886
Eldorado, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Legence Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 17% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$648.6M
+0.5% YoY
+0.3% QoQ
|
-$742.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$422.0M
-2.5% YoY
+3.5% QoQ
|
-$553.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$570.8M
-2.6% YoY
-1.5% QoQ
|
-$593.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.64%
-1.4% YoY
-3.2% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
5.19%
+7.2% YoY
+0.1% QoQ
|
+1.52% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
65.28%
-1.0% YoY
+0.5% QoQ
|
+2.65% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.64%
+161.8% YoY
+61.8% QoQ
|
+1.01% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
73.92%
+0.1% YoY
+5.1% QoQ
|
-9.14% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
34.16%
+3.0% YoY
+3.3% QoQ
|
+13.12% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.06%
+154.1% YoY
+67.0% QoQ
|
+0.57% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
13.72%
+4.1% YoY
-3.0% QoQ
|
+3.48% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.64%
-29.7% YoY
+33.3% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#26 of 150 · Top 17% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
34.16%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.19%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.66%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 34.16% · Tier avg: 21.05%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 10.24%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
40
40th pctile
Efficiency Ratio
Current: 65.28% · Tier avg: 62.63%
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.92% · Tier avg: 83.06%
25
25th pctile
Total Deposits
Current: $570.8M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $648.6M · Tier avg: $1.4B
18
18th pctile
Total Loans
Current: $422.0M · Tier avg: $975.5M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.63%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
18
18th pctile
Total Loans
Current: $422.0M · Tier avg: $975.5M
21
21th pctile
Total Assets
Current: $648.6M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $570.8M · Tier avg: $1.2B
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.92% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.28% · Tier avg: 62.63%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 10.24%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 34.16% · Tier avg: 21.05%
96
96th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.66%