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Legend Bank, N.A.

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Legend Bank, N.A. Rates & Review March 2026

Q: How many branches does Legend Bank, N.A. operate?

Legend Bank, N.A. currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Legend Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legend Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 27, 2026

You can compare Legend Bank, N.A. rates to other rates in our database, including 12-month CD rates currently at 0.18%, 6-month CD rates at 3.44% and 3-month CD rates at 3.55%. Savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Legend Bank, N.A. rates. MonitorBankRates evaluates the financial stability of Legend Bank, N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.04%. Rates were last updated on 03/27/2026.

Legend Bank, N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Legend Bank, N.A.? Share your experience about Legend Bank, N.A. by leaving a review below, or read customer reviews before you decide to use Legend Bank, N.A..

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.04%

Excellent Lower than avg

Legend Bank, N.A.

101 W Tarrant St
Bowie, TX 76230

https://www.legend.bank

Legend Bank, N.A. Checking Rates

Product	Rate	APY	View More
Legendary Checking	-	4.05%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $50,000.00 Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Legend Bank, N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Legend Bank, N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Legend Bank, N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Legend Bank, N.A.

Bank Holding Company LEGEND BCORP INC

Address 101 W Tarrant St, Bowie, TX 76230 · Montague

Website https://www.legend.bank

FDIC Certificate # 3108

Established 03/01/1890

FDIC Insurance Date 01/01/1934

Domestic Offices 15

Total Branches 15

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4731%

Return on Equity (ROE) 20.2900%

Non-Performing Loans (NPL) 0.06%

Total Assets $1,212,396,000

Total Deposits $1,083,753,000

Equity Capital $115,206,000

Net Income $18,650,000

Headquarters Bowie

Total Offices 15

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Legend Bank, N.A.

Is Legend Bank, N.A. a safe place to deposit money?

Yes, Legend Bank, N.A. is considered a safe financial institution. With a Texas Ratio of 1.0359060131107%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Legend Bank, N.A. operate?

Legend Bank, N.A. currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Legend Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legend Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Legend Bank, N.A. offer online and mobile banking?

Most modern institutions like Legend Bank, N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.legend.bank.