PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Legend Bank, N. A.

Bowie, TX · Cert 3108 · Legend Bcorp Inc.

National charter · OCC · 15 branches

Q2 2026

$1.3BAssets
$823.7MLoans
$1.1BDeposits
$120.9MEquity
Loan mix
83%RE $551.2M16%C&I $102.7M1%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $848.7M25%Noninterest $279.8MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.62%Q2 ’255.76%Q2 ’26+1%+6%

Non-interest income vs. expense

2.98%Q2 ’242.83%Q2 ’252.92%Q2 ’26-10%+5%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #92 of 166 inst. · $0.3B of $732.8B

52.7% Montague
12.2% Wise
23.8% Fannin
3.2% Grayson

Executive Summary

  • Earnings: ROA of 1.53%, up 38 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.12% of loans (+4 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.35%, up 20 bps from a year ago.
  • Funding: loans stand at 72.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+26 bps YoY

Efficiency Ratio (YTD, annualized)

58.48%-107 bps YoY

Tier 1 Leverage Ratio

10.35%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.22%1.24%1.51%1.53%+38 bps
Return on Equity13.56%13.91%13.99%15.81%16.10%+254 bps
Net Interest Margin4.06%4.06%3.98%4.31%4.32%+26 bps
Efficiency Ratio59.55%59.47%59.87%58.92%58.48%-107 bps
Non-Interest Burden2.13%2.14%2.12%2.25%2.24%+10 bps
Growth
Asset Growth (YoY)8.55%8.85%6.52%7.72%6.91%-164 bps
Loan Growth (YoY)-1.70%3.53%0.60%5.76%9.05%+1,075 bps
Deposit Growth (YoY)8.01%8.45%4.90%6.67%5.50%-251 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.07%0.40%0.11%0.12%+4 bps
Net Charge-Offs / Loans1.17%0.76%0.56%0.06%0.07%-110 bps
Allowance / Loans1.14%1.19%1.23%1.24%1.28%+13 bps
Allowance Coverage of NPLs15.1x17.5x3.1x11.2x11.0x-4.1x
Capital
Tier 1 Leverage Ratio10.15%10.29%9.97%10.23%10.35%+20 bps
Total Risk-Based Capital15.29%15.31%15.04%15.00%15.32%+3 bps
Equity / Assets8.84%9.37%9.50%9.58%9.51%+67 bps
Liquidity & Funding
Loans / Deposits70.61%72.42%75.04%74.66%72.99%+237 bps
Liquid Assets / Assets3.19%2.95%3.70%4.34%6.24%+305 bps
CRE / Total Capitaln/a280%298%282%n/an/a