Legend Bank, N. A.
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Data as of · sourced from FFIEC call reports. How we update
Legend Bank, N. A. is an FDIC-insured commercial bank headquartered in Bowie, TX, established in 1890 (FDIC certificate 3108), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.27B, up 6.9% from Q2 2025, the 76th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3108
- Headquarters
- Bowie, TX
- Established
- 1890
- Total assets, Q2 2026
- $1.27B
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 14.14%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 111903290
- Holding company
- LEGEND BANCORP, INC.
- Asset rank in state
- 76th of 346 in Texas
Legend Bank, N. A. is one of the more profitable banks of its size. Based in Bowie, Texas, it had $1.3 billion in assets at June 30, 2026, up 6.9% from a year earlier. It returns 20.8% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also keeps 4.72 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 20% from a year earlier, to $6.3 million. Over the same year, loans grew 9.1% and deposits grew 5.5%.
As of June 30, 2026, Legend Bank, N. A. reported a CET1 capital ratio of 14.14%, a return on assets of 1.97%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.93%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Legend Bank, N. A. is the 76th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $1.27B, loans fell 1.0% and deposits rose 1.3%. Non-owner-occupied commercial real estate loans made up 15.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 15.5%. Its 15 offices in the FDIC Summary of Deposits are in 13 cities in TX; its Bowie office books 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Legend Bank, N. A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Tarrant St, Bowie, TX 76230
- County
- Montague
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1890
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 209
- Domestic deposits
- $1.13B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $276K
- Average total assets
- $1.27B
- Average total loans
- $825.3M
- Average interest-bearing deposits
- $842.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3108
- Fed RSSD
- 100357
- Website
- www.legend.bank →
- Parent Holding Company
- LEGEND BANCORP, INC. (RSSD 1416578)
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, Legend Bank, N. A.'s total assets ranged from $1.04B (Q3 2023) to $1.27B (Q2 2026), 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
$1.27B total assets against $1.19B; $1.15B total liabilities against $1.08B.
$813.1M net loans and leases against $746.7M; $1.13B total deposits against $1.07B.
$278.0M securities against $225.5M; $100.3M cash and balances due against $140.2M.
$18.5M total interest income against $16.8M; $4.8M total interest expense against $4.8M.
$13.8M net interest income against $12.0M.
$2.2M total noninterest income against $2.0M; $9.3M total noninterest expense against $8.3M.
$385K provision for credit losses against $496K.
$6.3M net income against $5.2M.
1.97% return on assets against 1.75%; 4.72% net interest margin against 4.39%.
14.14% CET1 capital ratio against 14.21%; 10.35% tier 1 leverage ratio against 10.15%.
Inside the full Legend Bank, N. A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLegend Bank, N. A. rankings
Its closest position to the top of a national ranking is 523 of 3,611, for ROA; its furthest is 780 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q1 2025) to 1.97% (Q2 2026) and its net interest margin ran from 4.21% (Q3 2024) to 4.76% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.14% | 1.97% | 0.12% | 0.93% | 4.72% |
| Q1 2026 | 13.84% | 1.88% | 0.11% | 0.86% | 4.76% |
| Q4 2025 | 13.88% | 1.61% | 0.40% | 3.06% | 4.54% |
| Q3 2025 | 14.17% | 1.69% | 0.07% | 0.56% | 4.49% |
| Q2 2025 | 14.21% | 1.75% | 0.08% | 0.92% | 4.39% |
| Q1 2025 | 13.27% | 1.15% | 0.83% | 7.03% | 4.43% |
| Q4 2024 | 12.57% | 1.48% | 1.30% | 11.72% | 4.44% |
| Q3 2024 | 12.87% | 1.57% | 1.33% | 10.39% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Legend Bank, N.A. | Bowie , TX | 76230 | $242.2M |
| Bonham Branch | Bonham , TX | 75418 | $175.4M |
| Decatur Branch | Decatur , TX | 76234 | $134.5M |
| Nocona Branch | Nocona , TX | 76255 | $125.5M |
| North Richland Hills Branch | North Richland Hills , TX | 76180 | $84.2M |
| Henrietta Branch | Henrietta , TX | 76365 | $70.9M |
| Alvord Branch | Alvord , TX | 76225 | $57.2M |
| 2500 Highway 82 West Branch | Whitesboro , TX | 76273 | $53.8M |
| North Fort Worth Branch | Fort Worth , TX | 76131 | $47.3M |
| Whitewright Branch | Whitewright , TX | 75491 | $39.9M |
| Legend Bank, N.A. Sherman Branch | Sherman , TX | 75090 | $39.2M |
| The Enloe State Bank Branch | Cooper , TX | 75432 | $36.1M |
| Wichita Falls Branch | Wichita Falls , TX | 76310 | $22.2M |
| North Center Branch | Bonham , TX | 75418 | $0 |
| Decatur Banking Center | Decatur , TX | 76234 | $0 |
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 |
|---|---|---|---|
| June 1, 2019 | Structure Change | Acquired The Enloe State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 2019 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 10, 2007 | Structure Change | Acquired Bonham State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 30, 1990 | Structure Change | Acquired Alvord National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 1989 | Structure Change | Acquired First National Bank of Nocona Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 6, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 17, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 100 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 152 applications, 117 loans originated, $30.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $264K approved, $264K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Legend Bank, N. A.
What are Legend Bank, N. A.'s total assets?
As of the Q2 2026 filing, Legend Bank, N. A. reported total assets of $1.27 billion in its FFIEC call report.
Where is Legend Bank, N. A. headquartered?
It is headquartered in Bowie, TX, United States.
When was Legend Bank, N. A. founded?
It was established in 1890, per the FDIC institution directory.
Is Legend Bank, N. A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legend Bank, N. A.?
Legend Bank, N. A.'s primary federal regulator is the OCC.
What is Legend Bank, N. A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Legend Bank, N. A. operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legend Bank, N. A.'s Texas Ratio?
Its Texas Ratio is 0.93% 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.
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