Legence Bank
Eldorado, IL
IDRSSD: 635840
Total Assets
$648.65M
Latest filing
Total Deposits
$570.82M
Latest filing
Net Interest Margin
5.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081204867ELDORADO, IL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Legence Bank
1108 Us Highway 45 N
Eldorado, IL 62930
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1906FDIC Certificate 6967
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Legence Bank (Main) | 1108 Us Highway 45 N | Eldorado, IL |
| 301 VINE STREET BRANCH | 301 Vine St | Vienna, IL |
| GALATIA BRANCH | 100 E Main St | Galatia, IL |
| HARRISBURG BRANCH | 502 N Commercial St | Harrisburg, IL |
| BENTON BRANCH | 605 W Main St | Benton, IL |
| MOUNT VERNON BRANCH | 2929 Broadway St | Mount Vernon, IL |
| JOHNSTON CITY BRANCH | 101 W Broadway Blvd | Johnston City, IL |
| LEGENCE BANK - MARION BRANCH | 1133 N Carbon St | Marion, IL |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62930 |
| State and County Number | 17165 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 140 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.legencebank.com |
| Data Updated | 01/30/2026 |
| CERT | 10886 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $648.65M |
| Total Deposits | $570.82M |
| Total Liabilities | $585.39M |
| Total Equity Capital | $63.25M |
| Net Income | $2.40M |
| Net Loans and Leases | $421.95M |
| Assets Per Employee ($Millions) | $4.57M |
| Bank Premises and Fixed Assets | $10.51M |
| Cash and Balances due from Depository Institutions | $21.25M |
| Deposits Held in Domestic Offices | $570.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 15.4% |
| Net Interest Margin | 5.22% |
| Efficiency Ratio | 66.28% |
| Tier 1 Risk-Based Capital Ratio | 13.724% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.57% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.751% |
| Earning Assets to total Assets | 90.29% |
Income and Expense
| Total Interest Income | $9.47M |
| Total Noninterest Income | $1.04M |
| Total Interest Expense | $1.85M |
| Total Noninterest Expense | $5.74M |
| Net Interest Income | $7.62M |
| Pre-tax Net Operating Income | $2.00M |
| Provision for Credit Losses | $927.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $9.36M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.21M |
| Total Liabilities and Capital | $648.65M |
Securities
| Securities | $162.55M |
| Available-for-sale debt securities | $162.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Legence Bank?
$648.65M as of the latest filing.
How much are Legence Bank's total deposits?
$570.82M in total deposits.
Where is Legence Bank located?
Eldorado, IL.
What is the Net Interest Margin?
5.22%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$421.95M (latest filing).
What is the total interest income (latest filing)?
$9.47M.