Side-by-side · Q2 2026 data
Dream First Bank, National Association vs Legacy Bank
Metric by metric
| Measure | Dream First Bank, National Association | Legacy Bank |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 47 | 56 (stronger) |
| Loan quality | 38 | 98 (stronger) |
| Earnings | 63 | 69 (stronger) |
| Funding & liquidity | 79 (stronger) | 57 |
| Problem-loan coverage | 73 | 99 (stronger) |
| Peer percentile | 11th | 57th |
| Total assets | $963.7M | $865.0M |
| Deposits / shares | $850.4M | $721.8M |
| Capital ratio | 9.69% | 10.55% (stronger) |
| Problem loans | 1.86% | 0.06% (stronger) |
| Net charge-offs | 0.13% | 0.01% (stronger) |
| Return on assets | 1.07% | 1.22% (stronger) |
| Loans ÷ deposits | 76.9% (stronger) | 93.2% |
| Uninsured deposits | 18.7% (stronger) | 24.2% |
| Offices | 13 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Legacy Bank has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Dream First Bank, National Association leads on 2 and Legacy Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.