BlastPoint's Banking Scorecard
Legacy Bank
Community
Specialty: Commercial
OK
FDIC cert 4042
Hinton, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Legacy Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 20.59% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$660.7M
+6.8% YoY
+2.4% QoQ
|
-$730.8M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$388.7M
+4.4% YoY
+0.8% QoQ
|
-$586.8M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$596.3M
+6.8% YoY
+2.9% QoQ
|
-$568.3M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.85%
+778.0% YoY
+62.4% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
4.54%
-4.5% YoY
-3.2% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
83.23%
-9.3% YoY
-2.3% QoQ
|
+20.59% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.52%
-73.9% YoY
-66.1% QoQ
|
+0.89% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
65.18%
-2.3% YoY
-2.0% QoQ
|
-17.88% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.05%
-10.4% YoY
-1.2% QoQ
|
0 |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.97%
-72.6% YoY
-65.0% QoQ
|
+0.47% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
16.00%
+0.4% YoY
-4.1% QoQ
|
+5.75% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.84%
+66.6% YoY
+57.0% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
83.23%
(Tier avg: 62.63%, National avg: 65.09%)
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
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.18% · Tier avg: 83.06%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.00% · Tier avg: 10.24%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.05% · Tier avg: 21.05%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
27
27th pctile
Total Deposits
Current: $596.3M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $660.7M · Tier avg: $1.4B
21
21th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
13
13th pctile
Total Loans
Current: $388.7M · Tier avg: $975.5M
8
8th pctile
Efficiency Ratio
Current: 83.23% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 83.23% · Tier avg: 62.63%
13
13th pctile
Total Loans
Current: $388.7M · Tier avg: $975.5M
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
23
23th pctile
Total Assets
Current: $660.7M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $596.3M · Tier avg: $1.2B
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.05% · Tier avg: 21.05%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.00% · Tier avg: 10.24%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.18% · Tier avg: 83.06%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%