Legend Bank, N.A.
Total assets
$1.27B
▲ +6.9% YoY
Deposits
$1.13B
▲ +5.5% YoY
Loans
$813.1M
▲ +8.9% YoY
Offices
15
LEGEND BCORP INC
ROA (annualized)
1.95%
peers 1.26%
ROE (annualized)
20.51%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Legend Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +5.5% | +1.4 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +8.9% | +5.9% | +3.0 pts |
| ROA | 1.95% | 1.26% | +0.7 pts |
| ROE | 20.5% | 12.2% | +8.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
Profile
- Established
- 1890
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- LEGEND BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 101 W Tarrant St, Bowie, TX, 76230
- County
- Montague
- Offices
- 15
- FDIC cert #
- 3108
- RSSD ID
- 100357
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.27B | $1.13B | $813.1M | $120.9M | $12.2M | 1.95% | 4.72% | 0.09% |
| Q1 2026 | $1.25B | $1.11B | $821.4M | $119.4M | $5.9M | 1.92% | 4.70% | 0.08% |
| Q4 2025 | $1.21B | $1.08B | $803.3M | $115.2M | $18.6M | 1.58% | 4.50% | 0.29% |
| Q3 2025 | $1.22B | $1.09B | $778.2M | $114.0M | $13.6M | 1.55% | 4.47% | 0.05% |
| Q2 2025 | $1.19B | $1.07B | $746.7M | $105.1M | $8.5M | 1.47% | 4.46% | 0.08% |
| Q1 2025 | $1.16B | $1.04B | $777.8M | $100.1M | $3.3M | 1.16% | 4.49% | 0.59% |
| Q4 2024 | $1.14B | $1.03B | $798.0M | $91.7M | $17.0M | 1.54% | 4.44% | 0.93% |
| Q3 2024 | $1.12B | $1.00B | $751.0M | $99.7M | $12.7M | 1.55% | 4.40% | 0.90% |
Loan mix (Q2 2026): real estate $555.2M · commercial $104.6M · consumer $7.5M · securities $278.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Legend Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.70% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 59.0% | 48th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Legend Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Legend Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Legend Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Legend Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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