Legacy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legacy Bank of Hinton, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.10% | 1.35% | -1.25% | 6th bottom |
| ROAE | 1.25% | 13.33% | -12.08% | 6th bottom |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 95.72% | 61.11% | +34.61% | 4th bottom |
| PPNR / Avg Assets | 0.17% | 1.68% | -1.51% | 4th bottom |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.22% | 0.94% | +2.28% | 5th bottom |
| NPA / Total Assets | 1.97% | 0.70% | +1.27% | 8th bottom |
| NCO / Avg Loans | -0.22% | 0.16% | -0.38% | 98th top |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 83rd top |
| ACL / NPLs (Coverage) | 49.61% | 1547.21% | -1497.60% | 10th bottom |
| Texas Ratio | 21.19% | 7.33% | +13.86% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.83% | 19.49% | -4.66% | 47th below |
| Tier 1 Ratio | 14.83% | 19.52% | -4.69% | 47th below |
| Total Capital Ratio | 16.09% | 20.61% | -4.52% | 48th below |
| Leverage Ratio | 8.53% | 12.14% | -3.61% | 7th bottom |
| Equity / Assets | 8.33% | 11.37% | -3.04% | 17th bottom |
| TCE / Tangible Assets | 8.33% | 11.09% | -2.76% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.33% | 80.67% | -13.34% | 74th above |
| Core Deposit Ratio | 96.37% | 86.84% | +9.53% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.85% | 6.84% | +0.01% | 68th above |
| Loan Growth (Y/Y) | 12.19% | 7.92% | +4.27% | 80th top |
| Deposit Growth (Y/Y) | 7.80% | 6.29% | +1.51% | 75th top |
See Legacy Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legacy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Legacy Bank profile, how to read a UBPR, or how this data updates.