Headquartered in Bowie, Texas, Legend Bank, N.A. is a national bank with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1890.
Based on its Q2 2026 filing, Legend Bank, N.A. scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 64th. Its strongest component is earnings (98/100; 1.95%), and its lowest is capital cushion (54/100; 10.35%).
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 (78 → 82), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 75 |
| Q1 2026 | 80 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 9.87% |
| Q4 2024 | 9.74% |
| Q1 2025 | 9.93% |
| Q2 2025 | 10.15% |
| Q3 2025 | 10.29% |
| Q4 2025 | 9.97% |
| Q1 2026 | 10.23% |
| Q2 2026 | 10.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.30% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $1.3B | 10.35% | 0.12% | 1.95% | 72.1% |
| Q1 2026 | 80 | $1.2B | 10.23% | 0.11% | 1.92% | 73.7% |
| Q4 2025 | 75 | $1.2B | 9.97% | 0.40% | 1.58% | 74.1% |
| Q3 2025 | 80 | $1.2B | 10.29% | 0.07% | 1.55% | 71.6% |
| Q2 2025 | 78 | $1.2B | 10.15% | 0.08% | 1.47% | 69.8% |
| Q1 2025 | 67 | $1.2B | 9.93% | 0.83% | 1.16% | 74.5% |
| Q4 2024 | 64 | $1.1B | 9.74% | 1.30% | 1.54% | 77.2% |
| Q3 2024 | 65 | $1.1B | 9.87% | 1.33% | 1.55% | 74.9% |
| Q2 2024 | 74 | $1.1B | 9.82% | 0.32% | 1.53% | 76.6% |
897 peers · $1 billion – $10 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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Texas BankBank Georgetown, TX | 80 out of 100, Strong | $1.3B | 11.2% | 0.58% | vs |
| Alliance Bank Central TexasBank Woodway, TX | 72 out of 100, Strong | $1.3B | 11.8% | 0.02% | vs |
| Citizens State BankBank Somerville, TX | 66 out of 100, Moderate | $1.2B | 12.9% | 1.99% | vs |
| Texas National BankBank Mcallen, TX | 70 out of 100, Strong | $1.2B | 10.2% | 0.28% | vs |
| Dallas Capital Bank, National AssociationBank Dallas, TX | 68 out of 100, Moderate | $1.2B | 11.3% | 0.00% | vs |
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |
Deposit insurance
Is my money safe at Legend Bank, N.A.?
Yes. Legend Bank, N.A. is an FDIC-insured institution (FDIC certificate #3108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($247.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.32% (benchmark: 10%).
15 locations
Branches
Legend Bank, N.A. lists 13 offices in 13 cities. Most locations:
- Alvord, TX (1)
- Bonham, TX (1)
- Bowie, TX (1)
- Cooper, TX (1)
- Decatur, TX (1)
- Fort Worth, TX (1)
- Henrietta, TX (1)
- Nocona, TX (1)
- North Richland Hills, TX (1)
- Sherman, TX (1)
- Whitesboro, TX (1)
- Whitewright, TX (1)
HMDA 2025
Mortgage lending
In 2025, Legend Bank, N.A. reported 149 home-loan applications under HMDA (LEI 549300GZ7AZQEUEDGU30): 117 originated ($30,525,000 total), 17 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, 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
- Legend Bank, N.A.
- Former names
- The First National Bank of Bowie
- Type
- National bank
- FDIC certificate #
- 3108
- RSSD ID
- 100357
- Primary regulator
- OCC
- Holding company
- Legend Bcorp Inc
- Established
- March 1, 1890
- Headquarters
- 101 W Tarrant St, Bowie, TX 76230
- Website
- www.legend.bank
- Employees
- 209
Quick answers
Legend Bank, N.A.: common questions
Is Legend Bank, N.A. FDIC insured?
Yes. Legend Bank, N.A. is an FDIC-insured institution (FDIC certificate #3108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Legend Bank, N.A.'s TellerScore?
82 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 Legend Bank, N.A. ever failed?
There is no failure record for FDIC certificate #3108 in the FDIC failed bank list.
How many branches does Legend Bank, N.A. have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bowie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| Sanger BankBank Sanger, TX | 86 out of 100, Very strong | $224.4M | 16.5% | 0.51% | vs |
| The Jacksboro National BankBank Jacksboro, TX | 83 out of 100, Strong | $283.2M | 11.4% | 0.01% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Pilgrim BankBank Pittsburg, TX | 68 out of 100, Moderate | $714.6M | 10.2% | 0.15% | vs |
| Investar Bank, National AssociationBank Baton Rouge, LA | 67 out of 100, Moderate | $3.9B | 10.7% | 0.63% | vs |