Legend Bank, N. A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Legend Bank, N. A. is the primary bank subsidiary of its parent holding company, headquartered in Bowie, TX. On its most recent Q2 2026 call report, Legend Bank, N. A reported $1.3B in total assets against $1.1B in deposits. Returns are notably above industry norms: 1.97% ROA, 20.81% ROE, and 4.72% NIM. Capital cushions are healthy: 14.14% CET1, 10.35% Tier 1 leverage. Asset quality is pristine, 0.12% NPLs and a 1.04% Texas Ratio. Its footprint covers 15 branches concentrated in Texas.
As of June 30, 2026, Legend Bank, N. A. reported a CET1 capital ratio of 14.14%, a return on assets of 1.97%, a nonperforming-loan ratio of 0.12%, a Texas ratio of 1.04%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 101 W Tarrant St, Bowie, TX 76230
- County
- Montague
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1890
- Offices
- 15 domestic
- Employees (FTE)
- 209
- Domestic deposits
- $1.13B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $276K
- Average total assets
- $1.27B
- Average total loans
- $825.3M
- Average interest-bearing deposits
- $842.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3108
- Fed RSSD
- 100357
- Website
- www.legend.bank →
- Parent Holding Company
- LEGEND BANCORP, INC. (RSSD 1416578)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Legend Bank, N. A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Legend Bank, N. A., freeLegend Bank, N. A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.14% | 1.97% | 0.12% | 1.04% | 4.72% |
| Q1 2026 | 13.84% | 1.88% | 0.06% | 0.97% | 4.76% |
| Q4 2025 | 13.88% | 1.61% | 0.39% | 3.18% | 4.54% |
| Q3 2025 | 14.17% | 1.69% | 0.04% | 0.68% | 4.49% |
| Q2 2025 | 14.21% | 1.75% | 0.05% | 1.06% | 4.39% |
| Q1 2025 | 13.27% | 1.15% | 0.85% | 7.25% | 4.43% |
| Q4 2024 | 12.57% | 1.48% | 1.31% | 11.95% | 4.44% |
| Q3 2024 | 12.87% | 1.57% | 1.36% | 10.61% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Legend Bank, N.A. | Bowie , TX | 76230 | $242.2M |
| Bonham Branch | Bonham , TX | 75418 | $175.4M |
| Decatur Branch | Decatur , TX | 76234 | $134.5M |
| Nocona Branch | Nocona , TX | 76255 | $125.5M |
| North Richland Hills Branch | North Richland Hills , TX | 76180 | $84.2M |
| Henrietta Branch | Henrietta , TX | 76365 | $70.9M |
| Alvord Branch | Alvord , TX | 76225 | $57.2M |
| 2500 Highway 82 West Branch | Whitesboro , TX | 76273 | $53.8M |
| North Fort Worth Branch | Fort Worth , TX | 76131 | $47.3M |
| Whitewright Branch | Whitewright , TX | 75491 | $39.9M |
| Legend Bank, N.A. Sherman Branch | Sherman , TX | 75090 | $39.2M |
| The Enloe State Bank Branch | Cooper , TX | 75432 | $36.1M |
| Wichita Falls Branch | Wichita Falls , TX | 76310 | $22.2M |
| North Center Branch | Bonham , TX | 75418 | $0 |
| Decatur Banking Center | Decatur , TX | 76234 | $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 |
|---|---|---|---|
| June 1, 2019 | Structure Change | Acquired The Enloe State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 2019 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 10, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2007 | Structure Change | Acquired Bonham State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 1990 | Structure Change | Acquired Alvord National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 1989 | Structure Change | Acquired First National Bank of Nocona Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 6, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Legend Bank, N. A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 17, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 100 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 152 applications, 117 loans originated, $30.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Legend Bank, N. A.
What are Legend Bank, N. A.'s total assets?
As of the Q2 2026 filing, Legend Bank, N. A. reported total assets of $1.27 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Legend Bank, N. A. headquartered?
Legend Bank, N. A. is headquartered in Bowie, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Legend Bank, N. A. founded?
Legend Bank, N. A. was established in 1890, per the FDIC institution directory.
Is Legend Bank, N. A. FDIC-insured?
Yes. Legend Bank, N. A. is an FDIC-insured commercial bank (FDIC Certificate #3108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legend Bank, N. A.?
Legend Bank, N. A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Legend Bank, N. A.'s CET1 capital ratio?
Legend Bank, N. A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Legend Bank, N. A. operate?
Legend Bank, N. A. operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legend Bank, N. A.'s Texas Ratio?
Legend Bank, N. A.'s Texas Ratio is 1.04% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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