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Legence Bank
Eldorado, IL · FDIC Certificate #10886 · Chartered 01/0
Total assets
$642.94M
Total deposits
$573.59M
Total equity
$64.89M
Net loans
$395.71M
Branches (offices)
11
Net income (YTD)
$6.34M
Rank: #1,473 of 4,213 U.S. banks by assets · #84 of 322 in Illinois. Assets changed -1.0% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 19.90% |
| Net interest margin (YTD) | 5.26% |
| Equity to assets | 10.09% |
| Tier 1 leverage ratio | 9.55% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 1.17% |
| Net charge-offs (share of loans) | 0.44% |
| Loans to deposits | 69.0% |
| Real estate loans (share of loans) | 61.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.39M | 61.5% | |
| Commercial & industrial | $78.45M | 19.8% | |
| Consumer / individual | $33.38M | 8.4% | |
| Construction & development | $5.44M | 1.4% | |
| Agricultural | $37.84M | 9.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $650.95M | $586.24M | $4.19M | $56.29M |
| Jun 2023 | $640.26M | $578.99M | $3.96M | $45.04M |
| Jun 2024 | $636.35M | $566.28M | $4.79M | $53.03M |
| Jun 2025 | $649.75M | $586.71M | $5.19M | $58.76M |
| Jun 2026 | $642.94M | $573.59M | $6.34M | $64.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $553.84M | 10 |
| Indiana | $19.76M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $573.59M.
Similar-sized banks
High Plains Bank ($643.13M) · Mauch Chunk Trust Company ($642.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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