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 Colwich, KS against its peer group of 2757 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 | 1.23% | 1.25% | -0.02% | 47th below |
| ROAE | 12.64% | 12.22% | +0.42% | 51st above |
| Net Interest Margin | 4.28% | 3.95% | +0.33% | 69th above |
| Efficiency Ratio | 59.83% | 63.71% | -3.88% | 54th above |
| PPNR / Avg Assets | 1.76% | — | — | 60th above |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 2.01% | 1.87% | +0.14% | 36th below |
| Net Interest Spread | 3.56% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.88% | -0.82% | 78th top |
| NPA / Total Assets | 0.04% | — | — | 79th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 50th above |
| ACL / Total Loans | 1.27% | — | — | 58th above |
| ACL / NPLs (Coverage) | 2231.78% | — | — | — |
| Texas Ratio | 0.41% | 5.96% | -5.55% | 78th top |
| Provision / NCO | 14850.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.30% | 17.18% | -5.88% | 10th bottom |
| Tier 1 Ratio | 11.30% | 17.21% | -5.91% | 10th bottom |
| Total Capital Ratio | 12.49% | — | — | 11th bottom |
| Leverage Ratio | 10.55% | 11.75% | -1.20% | 42nd below |
| Equity / Assets | 9.94% | 10.98% | -1.04% | 43rd below |
| TCE / Tangible Assets | 9.89% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.42% | 80.44% | +13.98% | 20th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.37% | 86.95% | +1.42% | 46th below |
| Wholesale Funding Ratio | 5.78% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.78% | — | — | 60th above |
| Loan Growth (Y/Y) | 12.54% | — | — | 81st top |
| Deposit Growth (Y/Y) | 3.01% | — | — | 42nd below |
See Legacy Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Legacy Bank peer analysis.