Legend Bank, N.A.
Bowie, TX
IDRSSD: 100357
Total Assets
$1.21B
Latest filing
Total Deposits
$1.08B
Latest filing
Net Interest Margin
4.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Legend Bank, N.A.
101 W Tarrant St
Bowie, TX 76230
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1890FDIC Certificate 1983
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Legend Bank, N.A. (Main) | 101 W Tarrant St | Bowie, TX |
| 2500 HIGHWAY 82 WEST BRANCH | 2500 Highway 82 West | Whitesboro, TX |
| ALVORD BRANCH | 110 Franklin Street | Alvord, TX |
| HENRIETTA BRANCH | 1002 E Omega St | Henrietta, TX |
| DECATUR BRANCH | 1706 S Fm 51 | Decatur, TX |
| NOCONA BRANCH | 115 Clay St | Nocona, TX |
| NORTH CENTER BRANCH | 2232 N Center St | Bonham, TX |
| WHITEWRIGHT BRANCH | 201 W Grand St | Whitewright, TX |
Showing 7 of 14
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76230 |
| State and County Number | 48337 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 200 |
| Domestic Offices | 15 |
| 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.legend.bank |
| Data Updated | 01/30/2026 |
| CERT | 3108 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.21B |
| Total Deposits | $1.08B |
| Total Liabilities | $1.10B |
| Total Equity Capital | $115.21M |
| Net Income | $5.01M |
| Net Loans and Leases | $803.29M |
| Assets Per Employee ($Millions) | $6.09M |
| Bank Premises and Fixed Assets | $24.11M |
| Cash and Balances due from Depository Institutions | $49.38M |
| Deposits Held in Domestic Offices | $1.08B |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 17.51% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 61.03% |
| Tier 1 Risk-Based Capital Ratio | 13.876% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.502% |
| Earning Assets to total Assets | 92.4% |
Income and Expense
| Total Interest Income | $17.54M |
| Total Noninterest Income | $1.96M |
| Total Interest Expense | $4.81M |
| Total Noninterest Expense | $9.03M |
| Net Interest Income | $12.74M |
| Pre-tax Net Operating Income | $5.07M |
| Provision for Credit Losses | $603.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $230.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.89M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.44M |
| Total Liabilities and Capital | $1.21B |
Securities
| Securities | $270.06M |
| Available-for-sale debt securities | $261.16M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $8.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Legend Bank, N.A.?
$1.21B as of the latest filing.
How much are Legend Bank, N.A.'s total deposits?
$1.08B in total deposits.
Where is Legend Bank, N.A. located?
Bowie, TX.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
15.
When was it established?
03/01/1890.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$803.29M (latest filing).
What is the total interest income (latest filing)?
$17.54M.