Legence Bank (FDIC #10886): Bank Stress & Real-Estate Credit Exposure
Legence Bank (FDIC Cert #10886): bank stress 51/100, moderate, STABLE over 7 days; parent FIRST ELDORADO BANCSHARES INC.
Legence Bank (#10886) lends in 9 counties across 2 states; Legence Bank (#10886) reaches 107 ZIP codes: Illinois 8 counties, 96 ZIPs; Indiana 1 county, 11 ZIPs.
Legence Bank (#10886) largest markets: Williamson County, IL (22 branches, 22 ZIPs) (#10886), Jackson County, IL (22 branches, 22 ZIPs) (#10886), Franklin County, IL (19 branches, 19 ZIPs) (#10886), Jefferson County, IL (17 branches, 17 ZIPs) (#10886), Vanderburgh County, IN (11 branches, 11 ZIPs) (#10886), Saline County, IL (33 branches, 11 ZIPs) (#10886).
Legence Bank (#10886) reports $642.9 million in total assets; Legence Bank (#10886) equity $64.9 million (10.1% of Legence Bank (#10886) assets); Legence Bank (#10886) domestic deposits $573.6 million; Legence Bank (#10886) net income $6.3 million; Legence Bank (#10886) return on assets 1.96%; Legence Bank (#10886) return on equity 19.90%; Legence Bank (#10886) net interest income $15.4 million; Legence Bank (#10886) call report June 30, 2026.
Legence Bank (#10886) noncurrent real-estate loans 0.70% of its book; Legence Bank (#10886) residential 1.85%; Legence Bank (#10886) net charge-offs on real estate 1.35%; Legence Bank (#10886) residential charge-offs 3.48%.
Legence Bank (#10886) net interest margin 5.26% against an eight-quarter Legence Bank (#10886) average of 5.07% (Legence Bank (#10886) compression -0.20 points); Legence Bank (#10886) real-estate loans 69.8% of equity; Legence Bank (#10886) non-residential real estate 348.2% of equity; Legence Bank (#10886) rate-exposure score 40/100, Legence Bank (#10886) fixed-rate trap 40/100; Legence Bank (#10886) risk type credit driven; Legence Bank (#10886) rate regime rates elevated, Legence Bank (#10886) snapshot October 19, 2026.
Legence Bank (#10886) stress score moved from 56.4 on June 22, 2026 to 51.1 on October 19, 2026; Legence Bank (#10886) ranged 51.1 to 56.4 over 116 snapshots.
Legence Bank (#10886) alerts: 9 counties; top Legence Bank (#10886) alert scores: Marion County, IL 46 (moderate); Benton County, IL 20 (low); Carbondale County, IL 20 (low); Evansville County, IL 20 (low); Harrisburg County, IL 20 (low).