Legence Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 26.15 percentage points in Q2 2026, from 69.03% to 95.18%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Legence Bank ranks 20th highest among the 323 banks headquartered in Illinois, at 2.21% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Legence Bank reported 2.21% on return on assets in Q2 2026, 0.95 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 9.55% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 9.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.17% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 4.20% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 95.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 22.46% |
| Net interest margin | 5.46% |
| Efficiency ratio | 58.04% |
| Yield on earning assets | 6.57% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.77% |
| Core deposits to total deposits | 88.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.21% |
| Securities to assets | 28.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.19% | 12.19% | 13.24% | 9.05% | 1.72% |
| Q4 2023 | 12.61% | 12.61% | 13.70% | 9.08% | 1.51% |
| Q1 2024 | 12.93% | 12.93% | 14.09% | 9.19% | 1.43% |
| Q2 2024 | 13.00% | 13.00% | 14.18% | 9.26% | 1.48% |
| Q3 2024 | 13.27% | 13.27% | 14.35% | 9.59% | 1.64% |
| Q4 2024 | 13.18% | 13.18% | 14.14% | 9.32% | 2.04% |
| Q1 2025 | 13.38% | 13.38% | 14.42% | 9.11% | 1.43% |
| Q2 2025 | 13.77% | 13.77% | 14.72% | 9.32% | 1.71% |
| Q3 2025 | 14.15% | 14.15% | 15.17% | 9.45% | 1.89% |
| Q4 2025 | 13.72% | 13.72% | 14.92% | 9.40% | 1.47% |
| Q1 2026 | 14.30% | 14.30% | 15.47% | 9.61% | 1.69% |
| Q2 2026 | 14.61% | 14.61% | 15.73% | 9.55% | 2.21% |
Legence Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legence Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Legence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10886) · FFIEC NIC profile (RSSD 635840)