BlastPoint's Banking Scorecard
Legacy Bank
Micro
Specialty: Commercial
VA
FDIC cert 19011
Designations: ✓ Community bank
Grundy, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Legacy Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.26% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$363.6M
+7.7% YoY
+1.4% QoQ
|
+$146.2M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$233.8M
+16.0% YoY
+12.2% QoQ
|
+$94.6M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$287.3M
+5.2% YoY
-2.3% QoQ
|
+$103.6M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.88%
+39.8% YoY
-0.1% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.17%
+11.6% YoY
+0.7% QoQ
|
-0.69% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
65.30%
-12.0% YoY
-0.1% QoQ
|
-2.43% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
1.72%
+86.6% YoY
-3.1% QoQ
|
+1.08% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
81.38%
+10.2% YoY
+14.8% QoQ
|
+6.86% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
24.11%
-3.4% YoY
+5.6% QoQ
|
+1.72% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.39%
+48.1% YoY
+0.5% QoQ
|
+0.94% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
27.11%
-9.1% YoY
-8.7% QoQ
|
+18.26% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.10%
-10.1% YoY
+21.6% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.11%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
95
95th pctile
Tier 1 Capital Ratio
Current: 27.11% · Tier avg: 8.85%
82
82th pctile
Total Assets
Current: $363.6M · Tier avg: $217.5M
82
82th pctile
Total Loans
Current: $233.8M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $287.3M · Tier avg: $183.7M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.11% · Tier avg: 22.39%
52
52th pctile
Efficiency Ratio
Current: 65.30% · Tier avg: 67.73%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.38% · Tier avg: 74.53%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
16
16th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.64%
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.38% · Tier avg: 74.53%
52
52th pctile
Efficiency Ratio
Current: 65.30% · Tier avg: 67.73%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.11% · Tier avg: 22.39%
79
79th pctile
Total Deposits
Current: $287.3M · Tier avg: $183.7M
82
82th pctile
Total Loans
Current: $233.8M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $363.6M · Tier avg: $217.5M
95
95th pctile
Tier 1 Capital Ratio
Current: 27.11% · Tier avg: 8.85%