Side-by-side · Q2 2026 data
Legend Bank, N.A. vs First State Bank
Metric by metric
| Measure | Legend Bank, N.A. | First State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 61 |
| Capital cushion | 54 (stronger) | 46 |
| Loan quality | 96 (stronger) | 69 |
| Earnings | 98 (stronger) | 52 |
| Funding & liquidity | 81 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 93rd | 24th |
| Total assets | $1.3B | $1.9B |
| Deposits / shares | $1.1B | $1.7B |
| Capital ratio | 10.35% (stronger) | 9.61% |
| Problem loans | 0.12% (stronger) | 0.94% |
| Net charge-offs | 0.07% (stronger) | 0.40% |
| Return on assets | 1.95% (stronger) | 0.80% |
| Loans ÷ deposits | 72.1% | 56.8% (stronger) |
| Uninsured deposits | 21.9% (stronger) | 41.4% |
| Offices | 13 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 9.1% |
Legend Bank, N.A. has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Legend Bank, N.A. leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Decatur, TX
- Sherman, TX
- Whitesboro, TX