BlastPoint's Banking Scorecard
Legacy Bank
Community
Specialty: Commercial
KS
FDIC cert 17676
Colwich, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Legacy Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$825.9M
+9.6% YoY
-0.7% QoQ
|
-$565.6M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$633.2M
+6.4% YoY
+4.0% QoQ
|
-$342.3M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$703.7M
+14.0% YoY
-1.1% QoQ
|
-$461.0M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.25%
+5.1% YoY
+1.8% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.13%
+4.9% YoY
+1.1% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
57.34%
+1.8% YoY
+0.3% QoQ
|
-5.29% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.02%
-3.9% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
89.98%
-6.6% YoY
+5.2% QoQ
|
+6.92% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
23.66%
+0.5% YoY
+2.5% QoQ
|
+2.62% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.01%
-89.3% YoY
-32.2% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
11.43%
+2.0% YoY
+0.4% QoQ
|
+1.19% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.36%
-7.7% YoY
+30.7% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#147 of 371 · Top 39% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#14 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#140 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
66
66th pctile
Efficiency Ratio
Current: 57.34% · Tier avg: 62.63%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $633.2M · Tier avg: $975.5M
40
40th pctile
Tier 1 Capital Ratio
Current: 11.43% · Tier avg: 10.24%
39
39th pctile
Total Deposits
Current: $703.7M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $825.9M · Tier avg: $1.4B
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
Top Weaknesses
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
37
37th pctile
Total Assets
Current: $825.9M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $703.7M · Tier avg: $1.2B
40
40th pctile
Tier 1 Capital Ratio
Current: 11.43% · Tier avg: 10.24%
44
44th pctile
Total Loans
Current: $633.2M · Tier avg: $975.5M
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
66
66th pctile
Efficiency Ratio
Current: 57.34% · Tier avg: 62.63%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%