TellerScore

Headquartered in Linn, Missouri, Legends Bank is a state-chartered bank with $635.5M in total assets and $515.2M in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1913.

Based on its Q2 2026 filing, Legends Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 9th. Its strongest component is capital cushion (100/100; 18.31%), and its lowest is funding & liquidity (65/100; 88% loans-to-deposits, 22% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.31%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.51%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 88.1% · 21.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.00%

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 fell 4 points (94 → 90), mostly because the funding & liquidity component weakened by 9 points.

TellerScore
909294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202492
Q4 202491
Q1 202591
Q2 202594
Q3 202592
Q4 202593
Q1 202693
Q2 202690
Tier 1 leverage ratio
5.00%11.79%18.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.01%
Q3 202417.44%
Q4 202417.93%
Q1 202518.06%
Q2 202518.03%
Q3 202518.16%
Q4 202518.58%
Q1 202618.53%
Q2 202618.31%
Noncurrent loans
0.23%0.37%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.52%
Q3 20240.38%
Q4 20240.48%
Q1 20250.49%
Q2 20250.27%
Q3 20250.32%
Q4 20250.24%
Q1 20260.23%
Q2 20260.51%
Return on assets
2.11%2.25%2.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.11%
Q3 20242.19%
Q4 20242.26%
Q1 20252.26%
Q2 20252.34%
Q3 20252.38%
Q4 20252.40%
Q1 20262.18%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$635.5M18.31%0.51%2.26%88.1%
Q1 202693$621.3M18.53%0.23%2.18%86.4%
Q4 202593$593.7M18.58%0.24%2.40%89.4%
Q3 202592$593.1M18.16%0.32%2.38%87.0%
Q2 202594$592.2M18.03%0.27%2.34%83.8%
Q1 202591$566.1M18.06%0.49%2.26%88.6%
Q4 202491$545.8M17.93%0.48%2.26%90.5%
Q3 202492$534.9M17.44%0.38%2.19%88.9%
Q2 202491$539.5M17.01%0.52%2.11%87.0%

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).

Capital ratio18.31%
95th
Total risk-based capital0.00%
24th
Problem loans0.51%
45th
Net charge-offs0.02%
38th
Return on assets2.26%
92nd
Net interest margin5.03%
92nd
Efficiency ratio41.3%
95th
Loans to deposits88.1%
30th
Uninsured deposits21.6%
58th
Loan-loss reserves1.21%
51st
Texas ratio2.0%
58th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Verimore BankBank Brookfield, MO76 out of 100, Strong$639.1M10.6%0.26%vs
Phelps County BankBank Rolla, MO61 out of 100, Moderate$621.7M8.9%1.16%vs
First Midwest Bank of DexterBank Dexter, MO69 out of 100, Moderate$652.0M11.0%0.79%vs
First State Bank and Trust Company, Inc.Bank Caruthersville, MO56 out of 100, Moderate$659.0M12.6%4.76%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs

Deposit insurance

Is my money safe at Legends Bank?

Yes. Legends Bank is an FDIC-insured institution (FDIC certificate #12616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($111.3M) 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 18.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Legends Bank lists 11 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Legends Bank reported 148 home-loan applications under HMDA (LEI 254900T0CZ8ZKC5R7A88): 128 originated ($36,680,000 total), 12 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, 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
Legends Bank
Former names
Linn State Bank; Rich Fountain Bank
Type
State-chartered bank
FDIC certificate #
12616
RSSD ID
865151
Primary regulator
FDIC
Holding company
Linn Holding Co
Established
March 17, 1913
Headquarters
200 E Main St, Linn, MO 65051
Employees
101

Quick answers

Legends Bank: common questions

Is Legends Bank FDIC insured?

Yes. Legends Bank is an FDIC-insured institution (FDIC certificate #12616). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Legends Bank's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Legends Bank ever failed?

There is no failure record for FDIC certificate #12616 in the FDIC failed bank list.

How many branches does Legends Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Linn

InstitutionScoreAssetsCapitalProblem loansCompare
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
Civic Central Credit UnionCredit union Jefferson City, MO86 out of 100, Very strong$105.0M13.8%0.48%vs
Midwest Independent BankersBankBank Jefferson City, MO83 out of 100, Strong$341.4M15.3%0.00%vs
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
Conservation Employees Credit UnionCredit union Jefferson City, MO74 out of 100, Strong$194.9M9.8%0.20%vs