Legend Bank, N. A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 33.9% in Q2 2026, from $74.9M to $100.3M. It was the largest change from Q1 2026 among the key lines here. Legend Bank, N. A. ranks 172nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 72.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Legend Bank, N. A. sits 15.21 points lower, at 72.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $100.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $378.3M |
| Fed funds sold and reverse repos | $13.2M |
| Fed funds sold and reverse repos to assets | 1.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.99% |
| Net loans and leases to deposits | 72.06% |
| Loans and leases to core deposits | 88.58% |
| Core deposits to total deposits | 82.40% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 73.06% | 93.82% | $0 | $20.0M |
| Q4 2023 | 77.93% | 90.57% | $0 | $50.0M |
| Q1 2024 | 75.65% | 91.26% | $0 | $0 |
| Q2 2024 | 77.59% | 90.43% | $0 | $0 |
| Q3 2024 | 75.87% | 89.37% | $0 | $0 |
| Q4 2024 | 78.25% | 84.47% | $0 | $0 |
| Q1 2025 | 75.30% | 85.40% | $0 | $0 |
| Q2 2025 | 70.61% | 84.60% | $0 | $0 |
| Q3 2025 | 72.42% | 84.34% | $0 | $0 |
| Q4 2025 | 75.04% | 84.31% | $0 | $0 |
| Q1 2026 | 74.66% | 83.86% | $0 | $0 |
| Q2 2026 | 72.99% | 82.40% | $0 | $0 |
Legend Bank, N. A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legend Bank, N. A., freeSource: Call Report Schedules RC and RC-M, 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 Legend Bank, N. A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3108) · FFIEC NIC profile (RSSD 100357)