Legacy State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legacy State Bank of Loganville, GA against its peer group of 2672 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 | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 10.91% | 13.31% | -2.40% | 41st below |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 58.53% | 61.14% | -2.61% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.64% | 1.68% | -0.04% | 53rd above |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 67th above |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 3.35% | 3.32% | +0.03% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 80th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 2402.67% | 1538.48% | +864.19% | — |
| Texas Ratio | 0.30% | 7.33% | -7.03% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.05% | 12.14% | -0.09% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.29% | 11.37% | -0.08% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.89% | 11.09% | -0.20% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.22% | 80.64% | +5.58% | 37th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.11% | 86.86% | +0.25% | 39th below |
| Wholesale Funding Ratio | 0.97% | 5.03% | -4.06% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.74% | 6.85% | +6.89% | 90th top |
| Loan Growth (Y/Y) | 19.72% | 7.90% | +11.82% | 92nd top |
| Deposit Growth (Y/Y) | 15.67% | 6.29% | +9.38% | 91st top |
See Legacy State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legacy State 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 State Bank profile, how to read a UBPR, or how this data updates.