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.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 3.03 percentage points higher than in Q2 2026, at 92.25%. Within Missouri, Legends Bank is 60th of 192 on loan-to-deposit ratio, 92.25% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Legends Bank sits 11.41 points higher, at 92.25% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $470.0M |
| Net loans and leases | $464.3M |
| Loans held for sale | $0 |
| Loans to total assets | 73.70% |
| Loan-to-deposit ratio | 92.25% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.60% |
| Multifamily (5+ residential) | 10.75% |
| Commercial and industrial | 5.85% |
| Consumer | 7.45% |
| Credit cards | 0.00% |
| Farm | 10.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.79% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.11% |
| Construction concentration (Tier 1 capital + allowance) | 39.60% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.95% |
| Interest income on loans | $8.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $378.0M | $423.2M | 20.87% | 6.87% | 9.27% |
| Q1 2024 | $385.3M | $431.3M | 21.10% | 7.07% | 9.12% |
| Q2 2024 | $390.7M | $443.9M | 20.89% | 7.10% | 9.11% |
| Q3 2024 | $390.8M | $434.5M | 20.37% | 7.08% | 9.08% |
| Q4 2024 | $405.2M | $442.7M | 19.92% | 7.14% | 8.89% |
| Q1 2025 | $411.2M | $459.0M | 19.49% | 7.00% | 8.82% |
| Q2 2025 | $411.1M | $484.7M | 20.06% | 7.09% | 8.59% |
| Q3 2025 | $424.2M | $482.0M | 19.99% | 7.17% | 8.33% |
| Q4 2025 | $433.0M | $478.5M | 19.65% | 6.64% | 8.48% |
| Q1 2026 | $439.8M | $502.7M | 19.66% | 6.60% | 8.25% |
| Q2 2026 | $459.7M | $515.2M | 19.41% | 6.22% | 7.80% |
| Q3 2026 | $470.0M | $509.5M | 19.60% | 5.85% | 7.45% |
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 12616) · FFIEC NIC profile (RSSD 865151)