Legends Bank
Total assets
$927.7M
▲ +5.0% YoY
Deposits
$824.1M
▲ +6.5% YoY
Loans
$662.4M
▲ +6.3% YoY
Offices
9
LEGENDS FINANCIAL HOLDINGS INC
ROA (annualized)
1.04%
peers 1.28%
ROE (annualized)
10.84%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Legends Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +6.5% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +6.3% | +5.3% | +0.9 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
Profile
- Established
- 1998
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LEGENDS FINANCIAL HOLDINGS INC
- Specialization
- Commercial Lending Specialization
- Address
- 310 N 1st St, Clarksville, TN, 37040
- County
- Montgomery
- Metro area
- Clarksville, TN-KY
- Offices
- 9
- FDIC cert #
- 34936
- RSSD ID
- 2745426
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $927.7M | $824.1M | $662.4M | $88.7M | $4.8M | 1.04% | 3.95% | 0.00% |
| Q1 2026 | $939.5M | $833.5M | $659.2M | $89.7M | $2.4M | 1.06% | 3.91% | 0.00% |
| Q4 2025 | $899.1M | $795.3M | $651.4M | $88.1M | $8.7M | 0.98% | 3.82% | 0.00% |
| Q3 2025 | $921.7M | $819.0M | $644.3M | $85.4M | $6.6M | 1.00% | 3.74% | 0.00% |
| Q2 2025 | $883.2M | $773.8M | $623.2M | $80.9M | $4.3M | 0.99% | 3.70% | 0.01% |
| Q1 2025 | $871.3M | $773.0M | $592.6M | $82.5M | $2.0M | 0.93% | 3.64% | 0.03% |
| Q4 2024 | $850.8M | $749.0M | $585.1M | $79.6M | $7.6M | 0.89% | 3.48% | 0.02% |
| Q3 2024 | $853.1M | $750.0M | $574.4M | $80.5M | $5.8M | 0.90% | 3.42% | 0.04% |
Loan mix (Q2 2026): real estate $577.5M · commercial $71.6M · consumer $13.6M · securities $186.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.89% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 61.2% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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