Side-by-side · Q2 2026 data
Legend Bank, N.A. vs First United Bank and Trust Company
Metric by metric
| Measure | Legend Bank, N.A. | First United Bank and Trust Company |
|---|---|---|
| TellerScore | 82 (stronger) | 50 |
| Capital cushion | 54 (stronger) | 48 |
| Loan quality | 96 (stronger) | 44 |
| Earnings | 98 (stronger) | 57 |
| Funding & liquidity | 81 (stronger) | 41 |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 93rd | 11th |
| Total assets | $1.3B | $16.6B |
| Deposits / shares | $1.1B | $13.3B |
| Capital ratio | 10.35% (stronger) | 9.80% |
| Problem loans | 0.12% (stronger) | 1.69% |
| Net charge-offs | 0.07% | 0.06% (stronger) |
| Return on assets | 1.95% (stronger) | 0.92% |
| Loans ÷ deposits | 72.1% (stronger) | 95.0% |
| Uninsured deposits | 21.9% (stronger) | 36.5% |
| Offices | 13 | 74 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 8.1% |
Legend Bank, N.A. has the higher TellerScore (82 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Legend Bank, N.A. leads on 6 and First United Bank and Trust Company on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sherman, TX
- Bonham, TX
- Whitesboro, TX