BlastPoint's Banking Scorecard
Legends Bank
Community
Specialty: Commercial
MO
FDIC cert 12616
Linn, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Legends Bank shows strong momentum with 3 strengths and 8.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26% in Community
- + Net Interest Margin 1.53% above tier
- + Efficiency Ratio 23.90% below tier
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$593.7M
+8.8% YoY
+0.1% QoQ
|
-$797.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$427.8M
+6.8% YoY
+2.1% QoQ
|
-$547.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$478.5M
+8.1% YoY
-0.7% QoQ
|
-$686.1M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
2.40%
+6.1% YoY
+0.9% QoQ
|
+1.24% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.19%
+4.2% YoY
+0.1% QoQ
|
+1.53% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
38.73%
-7.2% YoY
-1.0% QoQ
|
-23.90% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.25%
-49.0% YoY
-25.0% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
89.40%
-1.2% YoY
+2.8% QoQ
|
+6.34% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
26.25%
-2.9% YoY
+1.7% QoQ
|
+5.20% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.18%
-56.7% YoY
-34.4% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.40%
-8.9% YoY
+33.3% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#99 of 371 · Top 26% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.40%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 4%
in Community
Net Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Why this stands out
Current:
5.19%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Community
Efficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Why this stands out
Current:
38.73%
(Tier avg: 62.63%, National avg: 65.09%)
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
Efficiency Ratio
Current: 38.73% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.66%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Total Loans
Current: $427.8M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $478.5M · Tier avg: $1.2B
Top Weaknesses
10
10th pctile
Total Deposits
Current: $478.5M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
19
19th pctile
Total Loans
Current: $427.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 83.06%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%
96
96th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.66%
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 38.73% · Tier avg: 62.63%