Legend Bank, N. A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legend Bank, N. A. of Bowie, TX against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.97% | 1.46% | +0.51% | 86th top |
| ROAE | 20.81% | 12.69% | +8.12% | 91st top |
| Net Interest Margin | 4.72% | 3.85% | +0.87% | 92nd top |
| Efficiency Ratio | 57.08% | 57.40% | -0.32% | 54th above |
| PPNR / Avg Assets | 2.10% | 1.88% | +0.22% | 73rd above |
| Yield on Earning Assets | 6.33% | 5.72% | +0.61% | 85th top |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 4.09% | 3.18% | +0.91% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 88th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 88th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.28% | 1.31% | -0.03% | 67th above |
| ACL / NPLs (Coverage) | 1084.74% | 564.10% | +520.64% | — |
| Texas Ratio | 1.04% | 7.39% | -6.35% | 86th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 293.48% | 618.73% | -325.25% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.14% | 17.34% | -3.20% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.14% | 17.37% | -3.23% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.32% | 18.42% | -3.10% | 62nd above |
| Leverage Ratio | 10.35% | 11.44% | -1.09% | 46th below |
| Equity / Assets | 9.51% | 11.34% | -1.83% | 32nd below |
| TCE / Tangible Assets | 8.66% | 10.50% | -1.84% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.99% | 86.96% | -13.97% | 82nd top |
| Core Deposit Ratio | 82.40% | 85.56% | -3.16% | 26th below |
| Uninsured Deposit Ratio | 21.89% | 33.13% | -11.24% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.91% | 9.68% | -2.77% | 61st above |
| Loan Growth (Y/Y) | 9.05% | 8.06% | +0.99% | 70th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.50% | 7.88% | -2.38% | 55th above |
See Legend Bank, N. A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legend Bank, N. A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Legend Bank, N. A. profile, how to read a UBPR, or how this data updates.