LEGEND BANK, N. A.

BOWIE, TX | Large | Est. March 1, 1890, midnight | FDIC #3108 | RSSD #100357 | OCC
Latest Report: 2025-12-31

LEGEND BANK, N. A. is aln large FDIC-insured commercial bank headquartered in BOWIE, TX, established in March 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.65% ROA and 17.51% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 13.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 2.60%. FDIC Certificate #3108.

Assets

$1.2B

Deposits

$1.1B

Loans

$813M

Equity

$115M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 17.51%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.28%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.56%
Texas Ratio 2.60%
NPA Ratio 0.27%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 13.88%
Tier 1 Capital 13.88%
Total Capital Ratio 15.04%
Leverage Ratio 9.97%
Loan-to-Deposit 75.04%

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