Side-by-side · Q2 2026 data
BTC Bank vs Legacy Bank & Trust Company
Metric by metric
| Measure | BTC Bank | Legacy Bank & Trust Company |
|---|---|---|
| TellerScore | 60 | 64 (stronger) |
| Capital cushion | 44 | 69 (stronger) |
| Loan quality | 76 (stronger) | 51 |
| Earnings | 56 | 67 (stronger) |
| Funding & liquidity | 54 | 61 (stronger) |
| Problem-loan coverage | 88 (stronger) | 80 |
| Peer percentile | 21st | 33rd |
| Total assets | $1.9B | $1.8B |
| Deposits / shares | $1.4B | $1.5B |
| Capital ratio | 9.35% | 11.91% (stronger) |
| Problem loans | 0.72% (stronger) | 1.47% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.90% | 1.17% (stronger) |
| Loans ÷ deposits | 105.8% | 94.5% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 19.5% |
| Offices | 30 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
Legacy Bank & Trust Company has the higher TellerScore (64 vs 60). On the 7 directional measures above (where higher or lower is clearly better), BTC Bank leads on 3 and Legacy Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.