Legend Bank N A (FDIC #3108): Bank Stress & Real-Estate Credit Exposure
Legend Bank N A (FDIC Cert #3108): bank stress 53/100, moderate, STABLE over 7 days; parent LEGEND BCORP INC.
Legend Bank N A (#3108) lends in 8 counties across 1 state; Legend Bank N A (#3108) reaches 157 ZIP codes: Texas 8 counties, 157 ZIPs.
Legend Bank N A (#3108) largest markets: Tarrant County, TX (152 branches, 76 ZIPs) (#3108), Grayson County, TX (63 branches, 21 ZIPs) (#3108), Fannin County, TX (38 branches, 19 ZIPs) (#3108), Wise County, TX (54 branches, 18 ZIPs) (#3108), Wichita County, TX (11 branches, 11 ZIPs) (#3108), Montague County, TX (20 branches, 10 ZIPs) (#3108).
Legend Bank N A (#3108) reports $1.27 billion in total assets; Legend Bank N A (#3108) equity $120.9 million (9.5% of Legend Bank N A (#3108) assets); Legend Bank N A (#3108) domestic deposits $1.13 billion; Legend Bank N A (#3108) net income $12.2 million; Legend Bank N A (#3108) return on assets 1.95%; Legend Bank N A (#3108) return on equity 20.51%; Legend Bank N A (#3108) net interest income $27.1 million; Legend Bank N A (#3108) call report June 30, 2026.
Legend Bank N A (#3108) noncurrent real-estate loans 0.03% of its book; Legend Bank N A (#3108) net charge-offs on real estate 0.13%; Legend Bank N A (#3108) residential charge-offs 0.23%.
Legend Bank N A (#3108) net interest margin 4.72% against an eight-quarter Legend Bank N A (#3108) average of 4.52% (Legend Bank N A (#3108) compression -0.20 points); Legend Bank N A (#3108) real-estate loans 3.2% of equity; Legend Bank N A (#3108) non-residential real estate 23.1% of equity; Legend Bank N A (#3108) rate-exposure score 40/100, Legend Bank N A (#3108) fixed-rate trap 40/100; Legend Bank N A (#3108) risk type credit driven; Legend Bank N A (#3108) rate regime rates elevated, Legend Bank N A (#3108) snapshot October 19, 2026.
Legend Bank N A (#3108) stress score moved from 52.5 on June 22, 2026 to 53.2 on October 20, 2026; Legend Bank N A (#3108) ranged 52.5 to 53.2 over 117 snapshots.
Legend Bank N A (#3108) alerts: 8 counties; top Legend Bank N A (#3108) alert scores: Bonham County, TX 18 (low); Cooper County, TX 18 (low); Decatur County, TX 18 (low); Henrietta County, TX 18 (low); Nocona County, TX 18 (low).