Legend Bank, 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
$1.3BAssets
$823.7MLoans
$1.1BDeposits
$120.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets (rank 34 of 328).
- Widest gap: equity / assets trails 66% of banks $1B-$10B in assets (rank 217 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $28.3M · efficiency ratio beats 53% of banks $1B-$10B in assets | 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 |