LEGENCE BANK

ELDORADO, IL | Medium | Est. Jan. 1, 1906, midnight | FDIC #10886 | RSSD #635840 | FDIC
Latest Report: 2025-12-31

LEGENCE BANK is amn medium FDIC-insured commercial bank headquartered in ELDORADO, IL, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $649M and total deposits of $571M. Profitability stands at 1.48% ROA and 15.40% ROE, with a net interest margin of 5.12%. The bank's CET1 capital ratio is 13.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.62% and a Texas Ratio of 10.11%. FDIC Certificate #10886.

Assets

$649M

Deposits

$571M

Loans

$427M

Equity

$63M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 15.40%
Net Interest Margin (NIM) 5.12%
Yield on Assets 6.36%
Cost of Funds 1.27%

Asset Quality

NPL Ratio 1.62%
Net Charge-Off Ratio 0.17%
Texas Ratio 10.11%
NPA Ratio 1.06%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 13.72%
Tier 1 Capital 13.72%
Total Capital Ratio 14.92%
Leverage Ratio 9.40%
Loan-to-Deposit 74.81%

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