Legend Bank, N. A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.62 percentage points lower than in Q1 2026, at 176.71%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $823.7M |
| Net loans and leases | $813.1M |
| Loans held for sale | $0 |
| Loans to total assets | 64.79% |
| Loan-to-deposit ratio | 72.99% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.11% |
| Multifamily (5+ residential) | 2.06% |
| Commercial and industrial | 12.70% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 9.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 176.71% |
| Construction concentration (Tier 1 capital + allowance) | 72.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.59% |
| Interest income on loans | $15.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $677.9M | $927.9M | 33.44% | 12.59% | 1.17% |
| Q4 2023 | $733.0M | $940.5M | 30.56% | 13.87% | 1.10% |
| Q1 2024 | $740.2M | $978.5M | 30.67% | 10.49% | 1.04% |
| Q2 2024 | $768.3M | $990.3M | 28.35% | 10.46% | 1.13% |
| Q3 2024 | $760.8M | $1.00B | 28.69% | 10.24% | 1.14% |
| Q4 2024 | $808.5M | $1.03B | 25.96% | 9.52% | 1.05% |
| Q1 2025 | $786.4M | $1.04B | 26.17% | 9.55% | 0.98% |
| Q2 2025 | $755.3M | $1.07B | 27.06% | 10.88% | 1.01% |
| Q3 2025 | $787.6M | $1.09B | 25.76% | 11.01% | 0.91% |
| Q4 2025 | $813.3M | $1.08B | 26.82% | 11.95% | 0.89% |
| Q1 2026 | $831.7M | $1.11B | 28.29% | 12.35% | 0.82% |
| Q2 2026 | $823.7M | $1.13B | 28.11% | 12.70% | 0.91% |
Legend Bank, N. A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legend Bank, N. A., freeSource: Call Report Schedule RC-C, 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)