Side-by-side · Q2 2026 data
Legends Bank vs Bank of Franklin County
Metric by metric
| Measure | Legends Bank | Bank of Franklin County |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 83 | 91 (stronger) |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 95th | 29th |
| Total assets | $635.5M | $419.4M |
| Deposits / shares | $515.2M | $357.5M |
| Capital ratio | 18.31% (stronger) | 9.53% |
| Problem loans | 0.51% | 0.27% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 2.26% (stronger) | 0.74% |
| Loans ÷ deposits | 88.1% (stronger) | 95.6% |
| Uninsured deposits | 21.6% | 11.9% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 11.0% |
Legends Bank has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Legends Bank leads on 5 and Bank of Franklin County on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.