# LEGENDS BANK
CLARKSVILLE, TN · FDIC certificate 34936 · 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 | $927.7M | |
| Deposits | $824.1M | |
| Loans and leases | $669.6M | |
| Total equity | $88.7M | |
| Loans / deposits | 80.38% (p46 of band) | 82.04% |
| Liquid assets / assets | 23.24% (p45 of band) | |
| Uninsured deposits / deposits | 36.20% (p81 of band) | 25.97% |
| Brokered deposits | 5.92% | |
| Wholesale funding | 6.26% (p64 of band) | |
| FHLB advances / assets | 0.35% | |
| Tier 1 leverage | 9.98% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -18.75% (p25 of band) | -8.10% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 3.95% (p53 of band) | 3.91% |
| Efficiency ratio | 67.35% (p67 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 119.42% (p92 of band) | |
| Auto loans | $338,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 133 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | capital falling, losing money |  |
| 2012-03 | 4 | charge-offs p90 | reserve under noncurrent, capital falling, losing money |
| 2012-06 | 3 |  | charge-offs p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 3 | charge-offs p90 | construction >100% equity, capital falling |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 2 | brokered >10%, wholesale funding >15% | construction >100% equity |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | wholesale funding >15% |
| 2019-12 | 0 |  | brokered >10% |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | construction >100% equity |
| 2023-06 | 2 | construction >100% equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-04 [Legends Bank Adds Experienced Commercial Banker Sallie Eley to Team - Clarksville Online](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5pYnNLNjY2ajRNVnZ3anpXNTNvd0Q4X3NJek9FMFpGSkRWNEkxZi1HWHhudE50TEV0b0FwRnNhY1dLUXpjcFIzaGJ5MG5oTGM2akJuMEV3?oc=5) · Clarksville Online
- 2026-07-24 [Legends Bank celebrates retirement of Senior Vice President Mike Rainey - Clarksville Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPalFMck1pVmIweUU3VWIyT1l6TF8xbVRBTF9zSTZfLV9TcTl0elI2TEF6eld4Y0hSRXp0aFBLUXk1TkRwb2FVa01IbTlfUW9pTEtsekhsZkdhYXVvMm9BN2ZRWVp1Tm5HV0VINURoY2hYTnRRa3dHcmRJcEhUbThJUDNqMmRUbzhYVXdCSkxKYlNpbnpQdmJuU19lVEl5Q3hiQWg0R3VtQ0Q?oc=5) · Clarksville Now
- 2026-07-04 [Clarksville Conversations: How Legends Bank evolved into multi-county franchise | PODCAST - Clarksville Now](https://news.google.com/rss/articles/CBMivAFBVV95cUxOUEU0S1RsemRxbGhZZ0xZRG9lUnQteGZybkxSNWdkWHdWQWZtV082OURWbEJURF9fNVp2ZVY0a3FxM2IwMW9ZamVXZmU5MElJZHFLUmstczRteFBQU3d3cXc4eGJNdzZ6QVpqTGR3SVh1V3RpU1BKdVFua1hOV0RWMThSUzBJNF9ENThONlRUNEllUkNKRnRjRWY5UURnaXNLek5nWGxkcmQ5NlVYTWRldXVOOW4zY2FPbWdqNg?oc=5) · Clarksville Now
- 2026-06-26 [Tommy Bates appointed vice chairman of Tennessee Bankers Association Board of Directors - Clarksville Now](https://news.google.com/rss/articles/CBMivgFBVV95cUxNSzdYTnVGaWxrXzh0T3FsSS1hcWdJUS1KU25CRWlaTzFNNW10dkZqQzdKM2kwYzFKdGk3cGFTZWE3QTVlZUNPRnZva3JOalh0b1RIX1VuWEpDNkZuVmloanRmdG5iX1hnb0d3TGtKVnNUYVVXYW41T3VndEUwX1BFeXFQdjgxQW42WVlUZXZWLV9FOXN0MVNDODFIeXFPODMtSFk1YWpIUHFVUFVnek1kb1RXUE5BOGlIZTdlYmhn?oc=5) · Clarksville Now
- 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
- 2015-03-26 [Legends Bank announces promotions - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMirAFBVV95cUxPT19oS0pmSVQzdVV1OFNlMThiTlVfeE02VWVqdEhzUmFocU9XdzFWQUZiYW1OQjZUeUtORExXejgwQ0pxS3VxNFFnblkwVmFCLXZmdkhFbndEVHc4V3JYMTBScEZtbWE4YU96TGFyZ0p1cWMyZGNHcWVlMXdLWmVhQllZQmhaTVllZ2dLZ2xaaUpvMXBFWmhGc1FpUTNaN3RjejJuR2NERDFPMDZl?oc=5) · The Leaf Chronicle | Clarksville, TN
- 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
- 2021-11-16 [Legends Bank announces Mark Kelly, Teresa Kingery as New Board Members - Clarksville Online](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNUFtRzh4d193RG9SZHVIMWZWZGRDNDg2clhVcnJjbW9jNEdFRE9sSy1hZnh1U3FxMmxldDluSEhzZU5pWjRIYjc5elFYbkhpZmQ1dFFXT2N1TmVyQXB5eU1VLVVBd3ZBRVh1UkRuQWtVaWhtcUtET3BUTjFTMnkzcWVlMFU4ZHA3elI0V0UxZ0F1YlZTemhYR0RhQ3pKMHdTUkZvVG5JejZ2b1Y0WlJTUk80ZGRodw?oc=5) · Clarksville Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34936 (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/56.json (key "34936", 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