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 Q3 2026 was in Reserve coverage of non-performing loans: 9.26 percentage points higher than in Q2 2026, at 259.98%. Among 192 Missouri banks, Legends Bank sits 17th from the top on return on assets, 2.48% as of Q3 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Legends Bank reported 2.48% on return on assets in Q3 2026, 1.23 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.12% |
| Equity capital to assets | 18.61% |
| Tangible equity to tangible assets | 18.61% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 2.45% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 259.98% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.48% |
| Return on equity | 13.32% |
| Net interest margin | 5.19% |
| Efficiency ratio | 38.67% |
| Yield on earning assets | 6.22% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 92.25% |
| Core deposits to total deposits | 89.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.90% |
| Securities to assets | 18.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 16.68% | 2.02% | 4.54% | 0.19% | 0.04% |
| Q1 2024 | 16.90% | 2.09% | 4.66% | 0.32% | 0.09% |
| Q2 2024 | 17.01% | 2.14% | 4.84% | 0.33% | 0.06% |
| Q3 2024 | 17.44% | 2.36% | 5.08% | 0.32% | 0.05% |
| Q4 2024 | 17.93% | 2.48% | 5.22% | 0.20% | 0.13% |
| Q1 2025 | 18.06% | 2.29% | 5.13% | 0.28% | 0.14% |
| Q2 2025 | 18.03% | 2.46% | 5.18% | 0.23% | 0.08% |
| Q3 2025 | 18.16% | 2.45% | 5.17% | 0.20% | 0.04% |
| Q4 2025 | 18.58% | 2.45% | 5.10% | 0.26% | 0.07% |
| Q1 2026 | 18.53% | 2.18% | 4.93% | 0.18% | 0.11% |
| Q2 2026 | 18.30% | 2.29% | 5.04% | 0.48% | -0.06% |
| Q3 2026 | 19.12% | 2.48% | 5.19% | 0.46% | 0.08% |
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 12616) · FFIEC NIC profile (RSSD 865151)