Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Eldorado, IL · FDIC certificate #10886
LEGENCE BANK is an FDIC-insured institution based in Eldorado, IL (FDIC certificate #10886). In its Q3 2026 Call Report it reported total assets of $631M, total deposits of $568M and net loans of $385M. Its primary federal regulator is FDIC.
Plain-language readout
LEGENCE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $648M in Q1 2026 and were lowest at $631M in Q3 2026.
Total deposits were highest at $581M in Q1 2026 and lowest at $568M in Q3 2026.
Over the whole period total assets fell 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $631M | $568M | $385M | 1.96% | 20.17% | 5.31% |
| Q2 2026 | $643M | $574M | $396M | 1.96% | 19.90% | 5.26% |
| Q1 2026 | $648M | $581M | $408M | 1.69% | 17.41% | 5.12% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.3M | $34.3M | -$14.0M | -40.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $184.9M | $163.2M | +$21.6M | +13.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $110K | $218K | -$108K | -49.5% |
| Net loans and leases (after allowance) | $395.6M | $408.2M | -$12.6M | -3.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.3M | $10.6M | -$335K | -3.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $6.5M | $6.5M | $0K | 0.0% |
| All other assets | $25.3M | $25.3M | +$54K | +0.2% |
| Total assets | $642.9M | $648.3M | -$5.3M | -0.8% |
| Liabilities | ||||
| Total deposits | $573.6M | $581.2M | -$7.6M | -1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.5M | $4.1M | +$327K | +7.9% |
| Total liabilities | $578.1M | $585.3M | -$7.2M | -1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $29.1M | $29.1M | $0K | 0.0% |
| Retained earnings | $37.0M | $37.4M | -$408K | -1.1% |
| Accumulated other comprehensive income | -$2.3M | -$4.6M | +$2.3M | +50.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $64.9M | $63.0M | +$1.9M | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.7M | $6.9M | -$2.3M | -32.5% |
| Adjusted nonperforming assets | $2.7M | $4.8M | -$2.1M | -44.0% |
| Tangible equity plus allowance | $62.8M | $61.3M | +$1.6M | +2.6% |
| Texas ratio (gross) | 7.46% | 11.34% | -3.88 pts | See points |
| Texas ratio (adjusted) | 4.27% | 7.82% | -3.55 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 14.61% | 14.30% | +0.31 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.61% | 14.30% | +0.31 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.12% | 1.17% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.73% | 15.47% | +0.26 pts | See points |
| Tier 1 leverage (approximate) | 9.55% | 9.61% | -0.06 pts | See points |
| Construction and land loans to total capital | 8.21% | 8.31% | -0.10 pts | See points |
| Commercial real estate to total capital | 131.62% | 135.69% | -4.06 pts | See points |
| Dividend payout, year to date | 86.79% | 54.61% | +32.19 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.68% | -7.40% | +3.72 pts | See points |
| Liquidity | ||||
| Core deposits | $507.0M | $518.6M | -$11.7M | -2.3% |
| Non-core funding | $66.6M | $62.5M | +$4.1M | +6.6% |
| Loans to core deposits | 78.91% | 79.62% | -0.71 pts | See points |
| Loans to deposits | 69.75% | 71.06% | -1.31 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 16.21% | 18.71% | -2.50 pts | See points |
| Loans pledged, share of loans | 75.86% | 74.37% | +1.49 pts | See points |
| Volatile liabilities | $66.6M | $62.5M | +$4.1M | +6.6% |
| Earnings | ||||
| Earnings before provision, year to date | $6.6M | $2.9M | +$3.7M | +127.9% |
| Earnings before provision, single quarter | $3.7M | $2.9M | +$811K | +27.9% |
| Provision for credit losses, year to date | $317K | $187K | +$130K | +69.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.45% | 7.05% | +0.40 pts | See points |
| Yield on interest-bearing balances due from banks | 3.61% | 3.54% | +0.07 pts | See points |
| Total interest income to average assets | 5.86% | 5.66% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.79% | 0.79% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.61% | 0.60% | +0.02 pts | See points |
| Cost of time deposits | 2.94% | 3.00% | -0.06 pts | See points |
| Total interest expense to average assets | 1.01% | 1.04% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $631M | $568M | $385M | 1.96% | 20.17% | 5.31% |
| 2026-06-30 | $643M | $574M | $396M | 1.96% | 19.90% | 5.26% |
| 2026-03-31 | $648M | $581M | $408M | 1.69% | 17.41% | 5.12% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IL | $562.2M | 0.08% | 96 | Continuing · +0.00 pp |
| IN | $24.5M | 0.01% | 123 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.