BlastPoint's Banking Scorecard
Legends West Bank
Micro
Specialty: Commercial
NE
FDIC cert 5425
Designations: ✓ Community bank
Lewellen, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Legends West Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.21% above tier
- - Non-Interest-Bearing Deposit Share 16.21% below tier
- - Nonperforming Asset Ratio 1.81% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.7M
+87.2% YoY
+19.0% QoQ
|
-$68.8M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$117.9M
+84.3% YoY
+11.1% QoQ
|
-$21.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$131.8M
+102.8% YoY
+19.9% QoQ
|
-$51.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.40%
+368.4% YoY
+188.3% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
4.25%
-18.7% YoY
+1.1% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
63.32%
-17.0% YoY
-8.0% QoQ
|
-4.40% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
2.85%
-4.9% YoY
-12.7% QoQ
|
+2.21% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
89.44%
-9.2% YoY
-7.3% QoQ
|
+14.91% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
6.19%
-38.8% YoY
-5.4% QoQ
|
-16.21% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
2.26%
-6.4% YoY
-18.5% QoQ
|
+1.81% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-37.8% YoY
+26.1% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.85%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.19%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(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
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
57
57th pctile
Efficiency Ratio
Current: 63.32% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
40
40th pctile
Total Deposits
Current: $131.8M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $148.7M · Tier avg: $217.5M
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.44% · Tier avg: 74.53%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
8
8th pctile
Delinquency Rate
Current: 2.85% · Tier avg: 0.64%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.19% · Tier avg: 22.39%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.26% · Tier avg: 0.45%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.26% · Tier avg: 0.45%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.19% · Tier avg: 22.39%
8
8th pctile
Delinquency Rate
Current: 2.85% · Tier avg: 0.64%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.44% · Tier avg: 74.53%
38
38th pctile
Total Assets
Current: $148.7M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $131.8M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Efficiency Ratio
Current: 63.32% · Tier avg: 67.73%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%