Total Assets
$149M
Total balance-sheet footings
FDIC Cert #5425 · Lewellen, Nebraska · Est. 1905
Legends West Bank - FDIC Bank Health Profile
A community-scale look at Legends West Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $149M
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 12.0%
- Tier 1 capital
Data updated July 2026
The verdict
Legends West Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 12.04% Tier 1, 0.40% ROA, 63% efficiency ratio.
- #3,359
- largest of 4,313 FDIC banks by assets
- 22nd
- percentile by asset size, nationally
- 12.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- 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 West Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Legends West Bank's composite health score
Tier 1 Capital Ratio (12.04%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (18.59%) 10/20
Efficiency Ratio (63.32%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$435K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Legends West Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Legends West Bank's score of 60/100 falls in the highlighted band.
Legends West 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 West Bank's $149M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.04%
Texas Ratio
18.59%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
2.98%
Efficiency Ratio
63.32%
What the numbers say about Legends West Bank
Legends West Bank is an FDIC-insured institution (Certificate #5425) headquartered in Lewellen, Nebraska, established in 1905. It holds $149M in total assets - 3,359th of 4,313 FDIC-insured banks, $132M in customer deposits, and $118M in net loans. Its capital position: a Tier 1 ratio of 12.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 18.59% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 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 West Bank is a community-scale institution -- 90th of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$8M
Interest Income
$78K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Legends West Bank reports a Texas Ratio of 18.59% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Legends West Bank (FDIC Cert #5425) - 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 Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is Legends West Bank's health grade?▼
Legends West Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Legends West Bank?▼
Legends West Bank holds $149M in total assets and $132M in deposits, ranking 3,359th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lewellen, Nebraska.
Is my money safe at Legends West Bank?▼
Yes, deposits at Legends West Bank (Certificate #5425) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Legends West Bank's Tier 1 Capital Ratio?▼
Legends West Bank has a Tier 1 Capital Ratio of 12.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Legends West Bank?▼
Legends West Bank has a Texas Ratio of 18.59%. 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 West Bank?▼
Legends West Bank has an Efficiency Ratio of 63.32%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Legends West Bank's profile as a depositor or analyst.
- Legends West Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Legends West Bank against other Nebraska banks before moving funds. Nebraska 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.