| Metric | Legends West Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +49.5% | +4.4% | +45.1 pts |
| Deposit growth (YoY) | +50.4% | +4.0% | +46.4 pts |
| Loan growth (YoY) | +40.4% | +5.6% | +34.8 pts |
| ROA | 0.60% | 1.24% | -0.6 pts |
| ROE | 5.3% | 11.9% | -6.6 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $157.8M | $136.7M | $127.8M | $18.2M | $458K | 0.60% | 3.85% | 0.94% |
| Q1 2026 | $154.0M | $135.4M | $125.4M | $17.9M | $215K | 0.57% | 3.81% | 1.74% |
| Q4 2025 | $148.7M | $131.8M | $117.9M | $16.2M | $435K | 0.40% | 4.25% | 2.26% |
| Q3 2025 | $125.0M | $110.0M | $106.1M | $14.3M | $103K | 0.14% | 4.21% | 2.77% |
| Q2 2025 | $105.6M | $90.9M | $91.0M | $14.2M | $-75K | -0.16% | 4.20% | 3.78% |
| Q1 2025 | $88.4M | $73.9M | $74.7M | $14.2M | $-87K | -0.41% | 3.91% | 4.69% |
| Q4 2024 | $79.5M | $65.0M | $64.0M | $14.2M | $-88K | -0.15% | 5.23% | 2.41% |
| Q3 2024 | $74.2M | $59.2M | $60.3M | $14.5M | $241K | 0.59% | 5.78% | 0.00% |
Loan mix (Q2 2026): real estate $99.3M · commercial $19.0M · consumer $2.9M · securities $2.1M
| Ratio | Legends West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 53th |
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 West 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 West 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 West 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 West 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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