Bowie, TX · Cert 3108 · Legend Bcorp Inc.
National charter · OCC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
65
Profitability
83
Liquidity
36
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bowie, TX · Cert 3108 · Legend Bcorp Inc.
National charter · OCC · 15 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #92 of 166 inst. · $0.3B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.22% | 0.92% | 1.16% | 1.22% | 1.24% | 1.51% | 1.53% | +38 bps | |
| Return on Equity | 14.64% | 14.69% | 10.97% | 13.56% | 13.91% | 13.99% | 15.81% | 16.10% | +254 bps | |
| Net Interest Margin | 3.99% | 3.96% | 4.12% | 4.06% | 4.06% | 3.98% | 4.31% | 4.32% | +26 bps | |
| Efficiency Ratio | 63.81% | 63.50% | 60.14% | 59.55% | 59.47% | 59.87% | 58.92% | 58.48% | -107 bps | |
| Non-Interest Burden | 2.31% | 2.28% | 2.19% | 2.13% | 2.14% | 2.12% | 2.25% | 2.24% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 4.15% | 7.34% | 8.55% | 8.85% | 6.52% | 7.72% | 6.91% | -164 bps | |
| Loan Growth (YoY) | 12.22% | 10.30% | 6.24% | -1.70% | 3.53% | 0.60% | 5.76% | 9.05% | +1,075 bps | |
| Deposit Growth (YoY) | 8.07% | 9.85% | 6.72% | 8.01% | 8.45% | 4.90% | 6.67% | 5.50% | -251 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.30% | 0.83% | 0.08% | 0.07% | 0.40% | 0.11% | 0.12% | +4 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 2.02% | 1.17% | 0.76% | 0.56% | 0.06% | 0.07% | -110 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.09% | 1.14% | 1.19% | 1.23% | 1.24% | 1.28% | +13 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.3x | 15.1x | 17.5x | 3.1x | 11.2x | 11.0x | -4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.74% | 9.93% | 10.15% | 10.29% | 9.97% | 10.23% | 10.35% | +20 bps | |
| Total Risk-Based Capital | 14.07% | 13.80% | 14.32% | 15.29% | 15.31% | 15.04% | 15.00% | 15.32% | +3 bps | |
| Equity / Assets | 8.93% | 8.06% | 8.64% | 8.84% | 9.37% | 9.50% | 9.58% | 9.51% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.87% | 78.25% | 75.30% | 70.61% | 72.42% | 75.04% | 74.66% | 72.99% | +237 bps | |
| Liquid Assets / Assets | 1.40% | 1.30% | 1.08% | 3.19% | 2.95% | 3.70% | 4.34% | 6.24% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 298% | 282% | n/a | n/a | |
Bowie, TX · Cert 3108 · Peer group: banks $1B-$10B in assets (n=322-328) · Legend Bcorp Inc.
National charter · OCC · 15 branches
Q2 2026
Return on Assets
1.50%
Rank 85 of 328
Net Interest Margin
4.32%
Rank 34 of 328
Efficiency Ratio
58.82%
Rank 155 of 328
Equity / Assets
9.51%
Rank 217 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.91% | 1.22% | 1.52% | Beats 74% | 85 / 328 | ||
| Return on Equity | 15.78% | 8.43% | 11.45% | 14.43% | Beats 85% | 50 / 328 | ||
| Net Interest Margin | 4.32% | 3.03% | 3.45% | 3.83% | Beats 90% | 34 / 328 | ||
| Efficiency Ratio | 58.82% | 51.61% | 59.56% | 67.53% | Beats 53% | 155 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.24% | 0.51% | 1.03% | Beats 86% | 47 / 322 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 43% | 184 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.14% | 11.75% | 13.15% | 15.47% | Beats 64% | 119 / 328 | ||
| Total Risk-Based Capital Ratio | 15.32% | 12.63% | 14.15% | 16.46% | Beats 66% | 111 / 328 | ||
| Equity / Assets | 9.51% | 9.15% | 10.33% | 12.01% | Beats 34% | 217 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.99% | 76.63% | 87.92% | 95.36% | 20th pctl | 259 / 323 | ||
| Loans / Assets | 64.79% | 65.18% | 74.15% | 79.98% | 24th pctl | 249 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||