Legend Bank, N. A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1018.94 percentage points lower than in Q1 2026, at 1084.74%. Within Texas, Legend Bank, N. A. is 70th of 345 on return on assets, 1.97% as of Q2 2026, above the middle of the field. Legend Bank, N. A.'s return on assets of 1.97% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.14% |
| Tier 1 risk-based capital ratio | 14.14% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.35% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 8.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 1.04% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 1084.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.97% |
| Return on equity | 20.81% |
| Net interest margin | 4.72% |
| Efficiency ratio | 57.08% |
| Yield on earning assets | 6.33% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.99% |
| Core deposits to total deposits | 82.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.77% |
| Securities to assets | 21.86% |
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 | 13.45% | 13.45% | 14.67% | 9.55% | 1.53% |
| Q4 2023 | 12.84% | 12.84% | 14.00% | 9.64% | 1.49% |
| Q1 2024 | 12.95% | 12.95% | 14.13% | 9.66% | 1.42% |
| Q2 2024 | 12.54% | 12.54% | 13.70% | 9.82% | 1.57% |
| Q3 2024 | 12.87% | 12.87% | 14.07% | 9.87% | 1.57% |
| Q4 2024 | 12.57% | 12.57% | 13.80% | 9.74% | 1.48% |
| Q1 2025 | 13.27% | 13.27% | 14.32% | 9.93% | 1.15% |
| Q2 2025 | 14.21% | 14.21% | 15.29% | 10.15% | 1.75% |
| Q3 2025 | 14.17% | 14.17% | 15.31% | 10.29% | 1.69% |
| Q4 2025 | 13.88% | 13.88% | 15.04% | 9.97% | 1.61% |
| Q1 2026 | 13.84% | 13.84% | 15.00% | 10.23% | 1.88% |
| Q2 2026 | 14.14% | 14.14% | 15.32% | 10.35% | 1.97% |
Legend Bank, N. A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legend Bank, N. A., 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 Legend Bank, N. A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3108) · FFIEC NIC profile (RSSD 100357)