Total Assets
$594M
Total balance-sheet footings
FDIC Cert #12616 · Linn, Missouri · Est. 1913
Legends Bank - FDIC Bank Health Profile
A community-scale look at Legends Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $594M
- Total assets
- A
- Health grade · Excellent
- 2.40%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
Legends Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.58% Tier 1, profitable at 2.40% ROA, efficient (39% cost ratio).
- #1,581
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 18.58%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Legends Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Legends Bank's composite health score
Tier 1 Capital Ratio (18.58%) 40/40
Return on Assets (ROA) (2.40%) 25/25
Texas Ratio (0.91%) 20/20
Efficiency Ratio (38.73%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$479M
Customer-funded liabilities
Net Loans
$428M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Legends Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Legends Bank's score of 100/100 falls in the highlighted band.
Legends Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Legends Bank's $594M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.58%
Texas Ratio
0.91%
Equity Capital
$111M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.40%
Return on Equity (ROE)
13.45%
Efficiency Ratio
38.73%
What the numbers say about Legends Bank
Legends Bank is an FDIC-insured institution (Certificate #12616) headquartered in Linn, Missouri, established in 1913. It holds $594M in total assets - 1,581st of 4,313 FDIC-insured banks, $479M in customer deposits, and $428M in net loans. Its capital position: a Tier 1 ratio of 18.58%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.91% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Legends Bank sits 63rd of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Legends Bank reports a Texas Ratio of 0.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Legends Bank (FDIC Cert #12616) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Legends Bank's health grade?▼
Legends Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Legends Bank?▼
Legends Bank holds $594M in total assets and $479M in deposits, ranking 1,581st of 4,313 FDIC-insured banks by asset size. It is headquartered in Linn, Missouri.
Is my money safe at Legends Bank?▼
Yes, deposits at Legends Bank (Certificate #12616) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Legends Bank's Tier 1 Capital Ratio?▼
Legends Bank has a Tier 1 Capital Ratio of 18.58%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Legends Bank?▼
Legends Bank has a Texas Ratio of 0.91%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Legends Bank?▼
Legends Bank has an Efficiency Ratio of 38.73%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Legends Bank's profile as a depositor or analyst.
- Legends Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Legends Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.