Legends Bank: 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 Loan-to-deposit ratio: 1.33 percentage points higher than in Q1 2026, at 81.26%. Within Tennessee, Legends Bank is 64th of 109 on return on assets, 1.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Legends Bank sits 0.25 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 10.66% |
| Net interest margin | 3.95% |
| Efficiency ratio | 66.21% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.26% |
| Core deposits to total deposits | 88.04% |
| Brokered deposits to total deposits | 6.66% |
| Deposits to assets | 88.84% |
| Securities to assets | 20.07% |
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 | 11.85% | 11.85% | 12.66% | 9.12% | 0.81% |
| Q4 2023 | 12.12% | 12.12% | 12.96% | 9.38% | 0.94% |
| Q1 2024 | 12.33% | 12.33% | 13.16% | 9.62% | 0.88% |
| Q2 2024 | 12.55% | 12.55% | 13.39% | 9.80% | 0.92% |
| Q3 2024 | 12.61% | 12.61% | 13.43% | 10.03% | 0.91% |
| Q4 2024 | 12.63% | 12.63% | 13.52% | 10.12% | 0.83% |
| Q1 2025 | 12.64% | 12.64% | 13.51% | 10.32% | 0.93% |
| Q2 2025 | 12.04% | 12.04% | 12.89% | 10.05% | 1.04% |
| Q3 2025 | 12.14% | 12.14% | 13.03% | 10.09% | 1.02% |
| Q4 2025 | 12.23% | 12.23% | 13.19% | 10.05% | 0.90% |
| Q1 2026 | 12.30% | 12.30% | 13.28% | 10.35% | 1.06% |
| Q2 2026 | 12.09% | 12.09% | 13.10% | 9.98% | 1.01% |
Legends Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legends Bank, 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34936) · FFIEC NIC profile (RSSD 2745426)