| Metric | Legends Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +11.8% | +5.3% | +6.4 pts |
| ROA | 2.25% | 1.28% | +1.0 pts |
| ROE | 12.3% | 12.4% | -0.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $635.5M | $515.2M | $454.1M | $116.0M | $7.0M | 2.25% | 5.03% | 0.38% |
| Q1 2026 | $621.3M | $502.7M | $434.6M | $112.7M | $3.3M | 2.18% | 4.98% | 0.16% |
| Q4 2025 | $593.7M | $478.5M | $427.8M | $110.6M | $13.9M | 2.40% | 5.19% | 0.18% |
| Q3 2025 | $593.1M | $482.0M | $419.2M | $106.9M | $10.3M | 2.38% | 5.19% | 0.27% |
| Q2 2025 | $592.2M | $484.7M | $406.3M | $103.0M | $6.7M | 2.34% | 5.17% | 0.23% |
| Q1 2025 | $566.1M | $459.0M | $406.5M | $99.2M | $3.1M | 2.26% | 5.11% | 0.40% |
| Q4 2024 | $545.8M | $442.7M | $400.6M | $96.1M | $12.0M | 2.26% | 4.98% | 0.41% |
| Q3 2024 | $534.9M | $434.5M | $386.3M | $93.5M | $8.7M | 2.19% | 4.89% | 0.28% |
Loan mix (Q2 2026): real estate $373.3M · commercial $28.6M · consumer $35.9M · securities $128.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.25% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 61.2% | 6th |
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% |
| 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% |
| 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% |
| 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% |
| Ratio | Legends Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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