Legends Bank (Clarksville, TN)
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Data as of · sourced from FFIEC call reports. How we update
Legends Bank is an FDIC-insured commercial bank headquartered in Clarksville, TN, established in 1998 (FDIC certificate 34936), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $927.7M, up 5.0% from Q2 2025, the 37th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.09% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34936
- Headquarters
- Clarksville, TN
- Established
- 1998
- Total assets, Q2 2026
- $927.7M
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 12.09%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 064108443
- Holding company
- LEGENDS FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 37th of 109 in Tennessee
Legends Bank leans heavily on commercial real estate. The Clarksville, Tennessee bank had $928 million in assets at June 30, 2026, up 5.0% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 18% of Tier 1 capital, down from 26% a year earlier. Where it has less room is capital: it holds common equity equal to 12.09% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Legends Bank reported a CET1 capital ratio of 12.09%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Legends Bank ranks as the 37th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $927.7M, loans rose 0.5% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 24.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.1%. Its 9 offices in the FDIC Summary of Deposits are in 5 cities in TN; its Clarksville 5 offices book 76% of its branch deposits. On its Q2 2026 call report, Legends Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 310 N 1st St, Clarksville, TN 37040
- County
- Montgomery
- Metro Area
- Clarksville, TN-KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 12, 1998
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $824.1M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $940.9M
- Average total loans
- $662.8M
- Average interest-bearing deposits
- $664.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1998
- FDIC Cert
- 34936
- Fed RSSD
- 2745426
- SEC CIK
- 1173991 → filed by LEGENDS FINANCIAL HOLDINGS, INC.
- Website
- www.legendsbank.com →
- Parent Holding Company
- LEGENDS FINANCIAL HOLDINGS, INC. (RSSD 3100349)
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
Legends Bank's total assets moved between a low of $834.3M (Q3 2023) and a high of $939.5M (Q1 2026) from Q3 2023 to 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
$927.7M total assets against $883.2M; $839.0M total liabilities against $802.3M.
$662.4M net loans and leases against $623.2M; $824.1M total deposits against $773.8M.
$186.2M securities against $188.9M; $29.4M cash and balances due against $20.8M.
$13.0M total interest income against $12.3M; $4.4M total interest expense against $4.6M.
$8.6M net interest income against $7.6M.
$1.5M total noninterest income against $1.6M; $6.8M total noninterest expense against $6.3M.
$285K provision for credit losses against $200K.
$2.4M net income against $2.3M.
1.01% return on assets against 1.04%; 3.95% net interest margin against 3.76%.
12.09% CET1 capital ratio against 12.04%; 9.98% tier 1 leverage ratio against 10.05%.
Inside the full Legends Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Legends Bank rankings
Its closest position to the top of a national ranking is 1,110 of 4,196, for total assets; its furthest is 3,374 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q4 2024) to 1.06% (Q1 2026) and its net interest margin ran from 3.52% (Q3 2024) to 3.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 1.01% | 0.00% | 0.00% | 3.95% |
| Q1 2026 | 12.30% | 1.06% | 0.00% | 0.00% | 3.94% |
| Q4 2025 | 12.23% | 0.90% | 0.00% | 0.00% | 3.96% |
| Q3 2025 | 12.14% | 1.02% | 0.00% | 0.00% | 3.89% |
| Q2 2025 | 12.04% | 1.04% | 0.01% | 0.08% | 3.76% |
| Q1 2025 | 12.64% | 0.93% | 0.04% | 0.27% | 3.64% |
| Q4 2024 | 12.63% | 0.83% | 0.03% | 0.05% | 3.63% |
| Q3 2024 | 12.61% | 0.91% | 0.05% | 0.37% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Legends Bank (main office) | Clarksville , TN | 37040 | $314.3M |
| St. Bethlehem Branch | Clarksville , TN | 37040 | $152.6M |
| Midtown | Nashville , TN | 37203 | $109.0M |
| Beachaven Branch | Clarksville , TN | 37043 | $107.0M |
| Brentwood Branch | Brentwood , TN | 37027 | $39.9M |
| Dover Crossing Branch | Clarksville , TN | 37042 | $34.2M |
| Legends Bank - Pleasant View Office Branch | Pleasant View , TN | 37146 | $31.8M |
| Eagle Branch | Clarksville , TN | 37042 | $18.8M |
| Legends Bank Ashland City Branch | Ashland City , TN | 37015 | $16.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TN, rank 51 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 549 applications, 427 loans originated, $149.0M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $754K approved, $754K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Legends Bank
What are Legends Bank's total assets?
As of the Q2 2026 filing, Legends Bank reported total assets of $927.7 million in its FFIEC call report.
Where is Legends Bank headquartered?
It is headquartered in Clarksville, TN, United States.
When was Legends Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Legends Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34936). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legends Bank?
Legends Bank's primary federal regulator is the FDIC.
What is Legends Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does Legends Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legends Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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