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Legend Bank, N.A.
Bowie, TX · FDIC Certificate #3108 · Chartered 03/0
Total assets
$1.27B
Total deposits
$1.13B
Total equity
$120.93M
Net loans
$813.14M
Branches (offices)
15
Net income (YTD)
$12.15M
Rank: #858 of 4,213 U.S. banks by assets · #76 of 346 in Texas. Assets changed 6.9% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 20.51% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 9.51% |
| Tier 1 leverage ratio | 10.35% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 72.1% |
| Real estate loans (share of loans) | 68.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $555.22M | 68.3% | |
| Commercial & industrial | $104.57M | 12.9% | |
| Consumer / individual | $7.50M | 0.9% | |
| Construction & development | $101.70M | 12.5% | |
| Agricultural | $124.86M | 15.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $963.83M | $876.62M | $7.22M | $75.97M |
| Jun 2023 | $1.05B | $942.34M | $7.00M | $74.25M |
| Jun 2024 | $1.10B | $990.30M | $8.33M | $91.20M |
| Jun 2025 | $1.19B | $1.07B | $8.54M | $105.14M |
| Jun 2026 | $1.27B | $1.13B | $12.15M | $120.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.13B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.13B.
Similar-sized banks
Consumers National Bank ($1.28B) · Legacy Bank ($1.27B)
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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