BlastPoint's Banking Scorecard
Legacy State Bank
Micro
Specialty: Commercial
GA
FDIC cert 57882
Designations: ✓ Community bank
Loganville, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Legacy State 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
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.3M
+10.7% YoY
+2.4% QoQ
|
-$26.2M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$132.6M
+12.6% YoY
+1.0% QoQ
|
-$6.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$164.5M
+12.0% YoY
+2.4% QoQ
|
-$19.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.04%
-3.3% YoY
+9.0% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.01%
+7.7% YoY
+0.9% QoQ
|
+0.16% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
63.74%
+2.3% YoY
-2.7% QoQ
|
-3.99% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.06%
-2.3% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
80.58%
+0.5% YoY
-1.4% QoQ
|
+6.05% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
14.95%
-2.5% YoY
+2.9% QoQ
|
-7.44% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.04%
-3.6% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.99%
-1.4% YoY
-0.1% QoQ
|
+6.14% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.09%
-23.9% YoY
+31.0% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(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
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.99% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
56
56th pctile
Efficiency Ratio
Current: 63.74% · Tier avg: 67.73%
54
54th pctile
Total Loans
Current: $132.6M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $164.5M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.3M · Tier avg: $217.5M
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.58% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.58% · Tier avg: 74.53%
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
49
49th pctile
Total Assets
Current: $191.3M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $164.5M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $132.6M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.74% · Tier avg: 67.73%
59
59th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.99% · Tier avg: 8.85%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%