BlastPoint's Banking Scorecard
Legends Bank
Community
Specialty: Commercial
TN
FDIC cert 34936
Clarksville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Legends Bank shows strong momentum with 2 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$899.1M
+5.7% YoY
-2.5% QoQ
|
-$492.3M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$651.4M
+11.3% YoY
+1.1% QoQ
|
-$324.0M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$795.3M
+6.2% YoY
-2.9% QoQ
|
-$369.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.98%
+10.5% YoY
-1.7% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.82%
+9.9% YoY
+2.2% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
68.52%
-2.0% YoY
-0.6% QoQ
|
+5.88% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.91%
+4.9% YoY
+4.1% QoQ
|
-1.15% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
21.48%
-0.6% YoY
+0.3% QoQ
|
+0.43% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.23%
-3.2% YoY
+0.8% QoQ
|
+1.98% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.66%
-1.8% YoY
+31.9% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.91% · Tier avg: 83.06%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.48% · Tier avg: 21.05%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 10.24%
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
46
46th pctile
Total Loans
Current: $651.4M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $899.1M · Tier avg: $1.4B
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
30
30th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 62.63%
Top Weaknesses
30
30th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 62.63%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
43
43th pctile
Total Assets
Current: $899.1M · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $651.4M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
49
49th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 10.24%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.48% · Tier avg: 21.05%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.91% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%