# LEGENDS BANK
LINN, MO · FDIC certificate 12616 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $635.5M | |
| Deposits | $515.2M | |
| Loans and leases | $459.7M | |
| Total equity | $116.0M | |
| Loans / deposits | 88.14% (p66 of band) | 82.04% |
| Liquid assets / assets | 25.46% (p51 of band) | |
| Uninsured deposits / deposits | 21.59% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.08% (p25 of band) | |
| FHLB advances / assets | 0.08% | |
| Tier 1 leverage | 18.31% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -0.51% (p90 of band) | -8.10% |
| AOCI / equity | -0.90% (p26 of band) | |
| ROA (annualized) | 2.26% (p92 of band) | 1.28% |
| Net interest margin | 5.03% (p94 of band) | 3.91% |
| Efficiency ratio | 41.26% (p7 of band) | |
| Noncurrent loans | 0.51% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 234.79% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 43.00% (p50 of band) | |
| Auto loans | $20.3M (4.42% of loans; DQ 1.53%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Warnings continue during extreme heat in Gasconade County - Gasconade County Republican](https://news.google.com/rss/articles/CBMitAFBVV95cUxNUThGLTQ0ODFqcmt4YWVKdm1JQmxDYjJGMWJSczBNZVFFUTRxaXR0Nk9jMzFxejBwN1BBVGlMR1RXbmk3NlpDT2kyN0Q4eTYtbWIyUkFSTGk4OVJWY2dnQmVGOWFWbU9RSDFycWpnUHJrekN5WEpveV9ucHZEcEpZdFk5NmE3TEVEN1B2bTRtNU92Y2xoSHd4eUt5dHQ4UE1MYlNTQ1JnRlJEeEFFMW1uUTBrNDE?oc=5) · Gasconade County Republican
- 2026-08-31 [OVC Football Spotlight Presented by Legends Bank - September 4 - Ohio Valley Conference](https://news.google.com/rss/articles/CBMipAFBVV95cUxOX3F6SFE1a3p0Z0JlUHhpZDVUNmtFZERFaEczV0RPb2thV21pdExlY2QxZVBwNVV4U29ySjN0YVhBRDFDWFdidlBveGJ3MGpubDlXazJLVEtsN2YwLXZRQTc2a0ppVlZJZzFLTGduSzVSaTNrTTBra3hVTTdBeDlwZUpRTy1lSTE2UHRZU3dvd3J3d0UzcGxmbjEtSU1FTW83MGJzdA?oc=5) · Ohio Valley Conference
- 2026-03-01 [Grefrath joins Legends Bank - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTE1uamlEQ2VkSHRUN0Z6ZjJ1Z3FNU0pOTlR6cHRXRUs5YkwtSnNHQUMtaHJwaV8tbnhxUkRaeU5hRV9NTHk5MlprTW9hSVh6MXFvME5NTER5clVCWDBWOXNySGp6OXpQZFpPaGlyZjVzMkU4YVgyWnNfeFUwZWhYZw?oc=5) · Jefferson City News Tribune
- 2026-08-24 [OVC Football Spotlight Presented by Legends Bank - August 28 - Ohio Valley Conference](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdHdFTGNja1UtRWgzamdNaXdkTWdyLWw0dFpmN1NpbHltX0lrUzY0Z19LbS1BWUFuY3pkMmJ3ZnlhT1ZsUFNVQ2U1SVJ4MEdRd2dYTE4zVWdIMVJTMjQzTWhCQWM1cmIxWE5oUy1paEtPYmtQTm54QXlzcmZISU9iSmRkVFZZeDgtMlNRc1R1WUU5bXFfNENMRGEwT2pOZ0Nwd3c?oc=5) · Ohio Valley Conference
- 2026-07-29 [Four Jefferson City Banks secure matching funds for Salvation Army's Center of Hope - KRCG](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeHFJdmVqd0cyTk1Gdk9jWC0xT242SllzRFJ4bHhOZVdqb0lQTzJKSW1HRUJtZ0FWSXlja1Fweld5c0ZaQ2hmNnBJbWhyR2pfMk5peENqVjAxZXZRLUpCanZWZXhnakp3X3ctVERVUlRkQ2tLbHM1bGduRVdrdW9ISGlDUTdfOGZwZ1RBcldfMVgxUG5fS083YnZkVVEtX2NoWTM1U29PWVUyd0JYZkN0ZldB?oc=5) · KRCG
- 2026-08-01 [Callaway Bank lands $186,000 in charitible giving for local nonprofits - fultonsun.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcUxJZkZrZXp4THprVUJFMDMtdXByb29BV01HcVg5TWtOdDFRWHpwUmdXNHByczQ4cFo4MVhTbklYYnJPbXV6c2xSVnF0dmlCcC1KRFREV01WLXM2eW5CN202LXFDQnJkN1pKWXI1MTRqT2FtbFZhSDU1TUJZaWRSVlZsVHpEUnNpX1BYVWV0N1EyQ2l2RUE?oc=5) · fultonsun.com
- 2025-12-28 [BIZBEAT: Legends Bank establishing second branch in Jefferson City - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUXd0OU9odWhJX09wNjFuOUFVLTFjcHJMUHRhY0VybFczWW5GcUlQTTExMWpCa05ZZGZqNWM1ME9jS0lwVlRwUVFBSm93Mi1iM19SYnBOcWdpcUFBc1pCaTJCZlQ0X21HOWNmY2s3M1Yxa1BrdkNuQW1Dcm00MlhhU3E3ZkQza2hINjhBdUl3a0dBZw?oc=5) · Jefferson City News Tribune
- 2021-01-21 [Legends Bank named as January Business of the Month - phelpscountyfocus](https://news.google.com/rss/articles/CBMimAFBVV95cUxNd3h4Sm5ObzZ0VEVoOHpRaVF0RFN6VExrcWlWRW50RHZvOVQxM2RYQ2puSFV2b2dqUGM1eHdKZnEyRTFLUXMxWWwwNFp4WXlITGV4Y0pOV0tZWVdFUXVlRmt0dXhyRVc2bEtRSldSRWhMbkIyT1AzRUktM01CRXNOZzFMSHo1TjJKR1hXZWltamc2Tkk3WkZXMg?oc=5) · phelpscountyfocus

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12616 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "12616", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide