Legence Bank
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Data as of · sourced from FFIEC call reports. How we update
Legence Bank is an FDIC-insured commercial bank headquartered in Eldorado, IL, established in 1906 (FDIC certificate 10886), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $642.9M, down 1.0% from Q2 2025, the 83rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10886
- Headquarters
- Eldorado, IL
- Established
- 1906
- Total assets, Q2 2026
- $642.9M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 14.61%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081204867
- Latest call report
- Q2 2026, FFIEC 051 · Legence Bank call report
- Holding company
- FIRST ELDORADO BANCSHARES, INC.
- Asset rank in state
- 83rd of 319 in Illinois
Legence Bank is one of the more profitable banks of its size. Based in Eldorado, Illinois, it had $643 million in assets at June 30, 2026, down 1.0% from a year earlier. It returns 22.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 5.46 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
The non-owner-occupied commercial real estate book ($72 million) is worsening: 4.22% of it is past due or on nonaccrual, up from 1.52% a year earlier. Net income for the quarter rose 27% from a year earlier, to $3.6 million. Where it has less room is capital: it funds 9.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Legence Bank reported a CET1 capital ratio of 14.61%, a return on assets of 2.21%, a nonperforming-loan ratio of 1.17% and a Texas ratio of 4.20%. The figures come from its call report filed with the FFIEC.
Legence Bank ranks as the 83rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $642.9M, loans fell 3.1% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 28.1% of total loans, ahead of commercial and industrial loans at 19.6%. Its 11 offices in the FDIC Summary of Deposits are in 11 cities across 2 states; its Eldorado office books 25% of its branch deposits. On its Q2 2026 call report, Legence Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1108 Us Highway 45 N, Eldorado, IL 62930
- County
- Saline
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First State Bank (2005-2008)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 127
- Domestic deposits
- $573.6M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $912K
- Average total assets
- $650.8M
- Average total loans
- $405.8M
- Average interest-bearing deposits
- $387.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10886
- Fed RSSD
- 635840
- SEC CIK
- 1754613 → filed by FIRST ELDORADO BANCSHARES, INC.
- Website
- www.legencebank.com →
- Parent Holding Company
- FIRST ELDORADO BANCSHARES, INC. (RSSD 1491481)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legence Bank's total assets ranged from $630.6M (Q3 2024) to $662.8M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$642.9M total assets against $649.8M; $578.1M total liabilities against $591.0M.
$395.7M net loans and leases against $422.2M; $573.6M total deposits against $586.7M.
$184.9M securities against $151.9M; $20.3M cash and balances due against $33.6M.
$9.5M total interest income against $9.5M; $1.6M total interest expense against $1.8M.
$7.9M net interest income against $7.7M.
$1.2M total noninterest income against $1.0M; $5.4M total noninterest expense against $5.6M.
$130K provision for credit losses against $264K.
$3.6M net income against $2.8M.
2.21% return on assets against 1.71%; 5.46% net interest margin against 5.11%.
14.61% CET1 capital ratio against 13.77%; 9.55% tier 1 leverage ratio against 9.32%.
Inside the full Legence Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLegence Bank rankings
Its closest position to the top of a national ranking is 312 of 3,611, for ROA; its furthest is 973 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.43% (Q1 2025) to 2.21% (Q2 2026) and its net interest margin ran from 4.81% (Q1 2025) to 5.46% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.61% | 2.21% | 1.17% | 4.20% | 5.46% |
| Q1 2026 | 14.30% | 1.69% | 1.68% | 7.70% | 5.20% |
| Q4 2025 | 13.72% | 1.47% | 1.62% | 7.52% | 5.17% |
| Q3 2025 | 14.15% | 1.89% | 1.00% | 6.86% | 5.28% |
| Q2 2025 | 13.77% | 1.71% | 1.04% | 7.73% | 5.11% |
| Q1 2025 | 13.38% | 1.43% | 0.77% | 5.95% | 4.81% |
| Q4 2024 | 13.18% | 2.04% | 0.62% | 5.06% | 4.91% |
| Q3 2024 | 13.27% | 1.64% | 0.86% | 6.61% | 4.85% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Legence Bank (main office) | Eldorado , IL | 62930 | $142.4M |
| Harrisburg Branch | Harrisburg , IL | 62946 | $99.7M |
| Legence Bank - Marion Branch | Marion , IL | 62959 | $58.7M |
| Benton Branch | Benton , IL | 62812 | $56.2M |
| Shawneetown Branch | Shawneetown , IL | 62984 | $53.4M |
| Galatia Branch | Galatia , IL | 62935 | $40.8M |
| 301 Vine Street Branch | Vienna , IL | 62995 | $39.2M |
| Metropolis Branch | Metropolis , IL | 62960 | $23.3M |
| Mount Vernon Branch | Mount Vernon , IL | 62864 | $21.9M |
| Virginia Street Branch | Evansville , IN | 47715 | $19.8M |
| Carbondale Branch | Carbondale , IL | 62901 | $18.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 2021 | Structure Change | Acquired Texico State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 100 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 90 applications, 51 loans originated, $9.4M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $852K approved, $284K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Legence Bank
What are Legence Bank's total assets?
As of the Q2 2026 filing, Legence Bank reported total assets of $642.9 million in its FFIEC call report.
Where is Legence Bank headquartered?
It is headquartered in Eldorado, IL, United States.
When was Legence Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Legence Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legence Bank?
Legence Bank's primary federal regulator is the FDIC.
What is Legence Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Legence Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legence Bank's Texas Ratio?
Its Texas Ratio is 4.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Legence Bank previously called?
The charter now named Legence Bank has also operated as First State Bank (2005-2008), per FDIC structure-change records.
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