Headquartered in Eldorado, Illinois, Legence Bank is a state-chartered bank with $642.9M in total assets and $573.6M in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1906.
Legence Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 165th. Earnings contributes the most (98/100, 1.96%); capital cushion contributes the least (45/100, 9.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 68 |
| Q4 2024 | 71 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 69 |
| Q4 2025 | 62 |
| Q1 2026 | 63 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.26% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.32% |
| Q1 2025 | 9.11% |
| Q2 2025 | 9.32% |
| Q3 2025 | 9.45% |
| Q4 2025 | 9.40% |
| Q1 2026 | 9.61% |
| Q2 2026 | 9.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.77% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.17% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.59% |
| Q3 2025 | 1.70% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $642.9M | 9.55% | 1.17% | 1.96% | 69.0% |
| Q1 2026 | 63 | $648.3M | 9.61% | 1.68% | 1.69% | 70.3% |
| Q4 2025 | 62 | $648.6M | 9.40% | 1.62% | 1.64% | 73.9% |
| Q3 2025 | 69 | $647.0M | 9.45% | 1.00% | 1.70% | 70.3% |
| Q2 2025 | 66 | $649.8M | 9.32% | 1.04% | 1.59% | 72.0% |
| Q1 2025 | 67 | $662.8M | 9.11% | 0.77% | 1.45% | 70.4% |
| Q4 2024 | 71 | $645.7M | 9.32% | 0.62% | 1.67% | 73.8% |
| Q3 2024 | 68 | $630.6M | 9.59% | 0.86% | 1.54% | 76.3% |
| Q2 2024 | 62 | $636.3M | 9.26% | 1.30% | 1.48% | 75.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank & Trust CompanyBank Litchfield, IL | 75 out of 100, Strong | $641.3M | 11.3% | 0.37% | vs |
| Stillman BancCorp N.A.Bank Stillman Valley, IL | 66 out of 100, Moderate | $645.6M | 9.2% | 0.65% | vs |
| TrustBankBank Olney, IL | 68 out of 100, Moderate | $640.2M | 9.8% | 0.73% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Peoples Bank & TrustBank Pana, IL | 64 out of 100, Moderate | $656.6M | 10.7% | 1.58% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
Deposit insurance
Is my money safe at Legence Bank?
Yes. Legence Bank is an FDIC-insured institution (FDIC certificate #10886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.2% of deposits ($121.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.73% (benchmark: 10%).
11 locations
Branches
Legence Bank lists 11 offices in 11 cities across 2 states. Most locations:
- Benton, IL (1)
- Carbondale, IL (1)
- Eldorado, IL (1)
- Evansville, IN (1)
- Galatia, IL (1)
- Harrisburg, IL (1)
- Marion, IL (1)
- Metropolis, IL (1)
- Mount Vernon, IL (1)
- Shawneetown, IL (1)
- Vienna, IL (1)
HMDA 2025
Mortgage lending
In 2025, Legence Bank reported 90 home-loan applications under HMDA (LEI 549300OVUSU8E87XZV67): 51 originated ($9,355,000 total), 16 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Legence Bank
- Former names
- First State Bank of Eldorado; First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10886
- RSSD ID
- 635840
- Primary regulator
- FDIC
- Holding company
- First Eldorado Bancshares Inc
- Established
- January 1, 1906
- Headquarters
- 1108 Us Highway 45 N, Eldorado, IL 62930
- Website
- www.legencebank.com
- Employees
- 127
Quick answers
Legence Bank: common questions
Is Legence Bank FDIC insured?
Yes. Legence Bank is an FDIC-insured institution (FDIC certificate #10886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Legence Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Legence Bank ever failed?
There is no failure record for FDIC certificate #10886 in the FDIC failed bank list.
How many branches does Legence Bank have?
11 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Eldorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| Banterra BankBank Marion, IL | 66 out of 100, Moderate | $3.4B | 9.4% | 0.37% | vs |
| Peoples National Bank , N.A.Bank Mount Vernon, IL | 62 out of 100, Moderate | $2.1B | 9.3% | 0.84% | vs |
| Southern Illinois BankBank Johnston City, IL | 62 out of 100, Moderate | $136.5M | 17.7% | 4.75% | vs |
| Woodforest National BankBank The Woodlands, TX | 60 out of 100, Moderate | $9.0B | 9.3% | 1.93% | vs |