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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.20% | 0.92% | 1.39% | 1.33% | 1.30% | 1.51% | 1.56% | +17 bps | |
| Return on Equity | 14.57% | 14.11% | 10.97% | 15.92% | 14.63% | 13.81% | 15.81% | 16.34% | +42 bps | |
| Net Interest Margin | 3.93% | 4.16% | 4.12% | 4.08% | 4.17% | 4.14% | 4.31% | 4.38% | +30 bps | |
| Efficiency Ratio | 62.87% | 62.61% | 60.14% | 58.97% | 59.30% | 61.03% | 58.92% | 58.06% | -91 bps | |
| Non-Interest Burden | 2.22% | 2.37% | 2.19% | 2.12% | 2.20% | 2.27% | 2.25% | 2.25% | +12 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 | 0.03% | 0.04% | 2.02% | 0.24% | 0.02% | 0.06% | 0.06% | 0.07% | -16 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 | |