Legends Bank (Linn, MO)
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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 Linn, MO, established in 1913 (FDIC certificate 12616), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $635.5M, up 7.3% from Q2 2025, the 59th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12616
- Headquarters
- Linn, MO
- Established
- 1913
- Total assets, Q2 2026
- $635.5M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 18.30%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 081514010
- Holding company
- LINN HOLDING COMPANY
- Asset rank in state
- 59th of 191 in Missouri
Legends Bank is one of the more profitable banks of its size. Based in Linn, Missouri, it had $636 million in assets at June 30, 2026, up 7.3% from a year earlier. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 11.8% and deposits rose 6.3%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.51% of loans, against 0.27% a year earlier.
As of June 30, 2026, Legends Bank reported a return on assets of 2.29%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 2.00%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Legends Bank is the 59th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $635.5M, loans rose 4.5% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.4% of total loans, followed by owner-occupied commercial real estate loans at 13.4%. Its 12 offices in the FDIC Summary of Deposits are in 8 cities in MO; its Linn 2 offices book 40% of its branch deposits. On its Q2 2026 call report, Legends Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Main St, Linn, MO 65051
- County
- Osage
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 17, 1913
- Former names
- Linn State Bank (1936-2005)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $515.2M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $636.0M
- Average total loans
- $447.2M
- Average interest-bearing deposits
- $374.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12616
- Fed RSSD
- 865151
- Website
- www.legendsbk.com →
- Parent Holding Company
- LINN HOLDING COMPANY (RSSD 1119271)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Legends Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Legends Bank's total assets ran between $509.1M (Q3 2023) and $635.5M (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
$635.5M total assets against $592.2M; $519.6M total liabilities against $489.1M.
$454.1M net loans and leases against $406.3M; $515.2M total deposits against $484.7M.
$128.3M securities against $111.6M; $33.5M cash and balances due against $57.2M.
$9.2M total interest income against $8.6M; $1.6M total interest expense against $1.5M.
$7.6M net interest income against $7.2M.
$608K total noninterest income against $598K; $3.3M total noninterest expense against $3.0M.
$225K provision for credit losses against $225K.
$3.6M net income against $3.5M.
2.29% return on assets against 2.46%; 5.04% net interest margin against 5.18%.
18.30% tier 1 leverage ratio against 18.03%.
Inside the full Legends Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLegends Bank rankings
Its closest position to the top of a national ranking is 191 of 3,606, for efficiency ratio; its furthest is 2,259 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.18% (Q1 2026) to 2.48% (Q4 2024) and its net interest margin ran from 4.93% (Q1 2026) to 5.22% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.30% | 2.29% | 0.51% | 2.00% | 5.04% |
| Q1 2026 | 18.53% | 2.18% | 0.23% | 0.86% | 4.93% |
| Q4 2025 | 18.58% | 2.45% | 0.24% | 0.91% | 5.10% |
| Q3 2025 | 18.16% | 2.45% | 0.32% | 1.43% | 5.17% |
| Q2 2025 | 18.03% | 2.46% | 0.27% | 1.24% | 5.18% |
| Q1 2025 | 18.06% | 2.29% | 0.49% | 2.16% | 5.13% |
| Q4 2024 | 17.93% | 2.48% | 0.48% | 2.22% | 5.22% |
| Q3 2024 | 17.44% | 2.36% | 0.38% | 1.51% | 5.08% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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) | Linn , MO | 65051 | $205.0M |
| Owensville Branch | Owensville , MO | 65066 | $83.7M |
| Westphalia Branch | Westphalia , MO | 65085 | $61.5M |
| Highway 50 Loose Creek Branch | Loose Creek , MO | 65054 | $39.5M |
| Taos Branch | Jefferson City , MO | 65101 | $31.8M |
| Belle Branch | Belle , MO | 65013 | $27.3M |
| Jefferson City Branch | Jefferson City , MO | 65101 | $26.1M |
| Union Branch | Union , MO | 63084 | $20.2M |
| Rolla Branch | Rolla , MO | 65401 | $14.8M |
| Legends Bank Wildwood Shopping Center Branch | Jefferson City , MO | 65109 | $3.1M |
| Rolla Forum Branch | Rolla , MO | 65401 | $2.2M |
| East Main Branch | Linn , MO | 65051 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2016 | Structure Change | Acquired Home Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2003 | Structure Change | Acquired Charter 1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 1997 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 79 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 81 loans originated, $25.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 $635.5 million in its FFIEC call report.
Where is Legends Bank headquartered?
It is headquartered in Linn, MO, United States.
When was Legends Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Legends Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12616). 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.
How many branches does Legends Bank operate?
It operates 13 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 2.00% 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.
What was Legends Bank previously called?
The charter now named Legends Bank has also operated as Linn State Bank (1936-2005), per FDIC structure-change records.
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