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Legacy Bank
Springdale, AR · FDIC Certificate #57953 · Chartered 03/2
Total assets
$1.27B
Total deposits
$1.15B
Total equity
$114.51M
Net loans
$1.07B
Branches (offices)
10
Net income (YTD)
$8.58M
Rank: #859 of 4,213 U.S. banks by assets · #19 of 78 in Arkansas. Assets changed 8.3% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 15.48% |
| Net interest margin (YTD) | 4.20% |
| Equity to assets | 9.02% |
| Tier 1 leverage ratio | 8.85% |
| Uninsured deposits (share of deposits) | 50.1% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 91.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $986.88M | 91.9% | |
| Commercial & industrial | $74.31M | 6.9% | |
| Consumer / individual | $10.33M | 1.0% | |
| Construction & development | $134.68M | 12.5% | |
| Agricultural | $16.00M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $982.69M | $890.75M | $4.72M | $84.10M |
| Jun 2023 | $962.47M | $839.04M | $1.65M | $87.56M |
| Jun 2024 | $1.08B | $977.22M | $2.41M | $92.10M |
| Jun 2025 | $1.17B | $1.06B | $4.46M | $100.60M |
| Jun 2026 | $1.27B | $1.15B | $8.58M | $114.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.15B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.15B.
Similar-sized banks
Legend Bank, N.A. ($1.27B) · The Merchants National Bank ($1.27B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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