Legends Bank: 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.
Construction concentration (Tier 1 capital + allowance) climbed 5.50 percentage points in Q2 2026, from 99.15% to 104.65%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Legends Bank is 63rd of 109 on loan-to-deposit ratio, 81.26% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Legends Bank reported 81.26% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $669.6M |
| Net loans and leases | $662.4M |
| Loans held for sale | $4.6M |
| Loans to total assets | 72.19% |
| Loan-to-deposit ratio | 81.26% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.17% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 10.68% |
| Consumer | 2.03% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.74% |
| Construction concentration (Tier 1 capital + allowance) | 104.65% |
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 | 6.74% |
| Interest income on loans | $11.1M |
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 | $558.6M | $725.7M | 44.72% | 9.71% | 2.81% |
| Q4 2023 | $563.2M | $761.0M | 41.44% | 9.76% | 2.65% |
| Q1 2024 | $569.5M | $755.9M | 43.14% | 10.36% | 2.42% |
| Q2 2024 | $566.5M | $745.5M | 42.69% | 9.45% | 2.27% |
| Q3 2024 | $579.4M | $750.0M | 42.43% | 9.80% | 2.02% |
| Q4 2024 | $590.7M | $749.0M | 40.93% | 9.19% | 3.34% |
| Q1 2025 | $598.2M | $773.0M | 41.58% | 9.71% | 3.03% |
| Q2 2025 | $628.9M | $773.8M | 40.67% | 10.78% | 2.57% |
| Q3 2025 | $650.3M | $819.0M | 44.11% | 9.81% | 2.73% |
| Q4 2025 | $658.1M | $795.3M | 43.89% | 11.19% | 2.43% |
| Q1 2026 | $666.1M | $833.5M | 44.45% | 11.12% | 2.27% |
| Q2 2026 | $669.6M | $824.1M | 45.17% | 10.68% | 2.03% |
Legends Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legends Bank, 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34936) · FFIEC NIC profile (RSSD 2745426)