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Legacy State Bank
Loganville, GA · FDIC Certificate #57882 · Chartered 03/1
Total assets
$205.85M
Total deposits
$180.25M
Total equity
$23.25M
Net loans
$153.61M
Branches (offices)
2
Net income (YTD)
$1.11M
Rank: #2,942 of 4,213 U.S. banks by assets · #88 of 123 in Georgia. Assets changed 13.7% and deposits 15.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 9.75% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 11.29% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 42.7% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 95.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $146.56M | 95.4% | |
| Commercial & industrial | $5.70M | 3.7% | |
| Consumer / individual | $3.15M | 2.1% | |
| Construction & development | $20.13M | 13.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.50M | $138.69M | $994.00K | $12.66M |
| Jun 2023 | $152.56M | $129.96M | $491.00K | $16.38M |
| Jun 2024 | $173.26M | $148.54M | $874.00K | $18.45M |
| Jun 2025 | $180.99M | $155.83M | $797.00K | $20.80M |
| Jun 2026 | $205.85M | $180.25M | $1.11M | $23.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $180.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $180.25M.
Similar-sized banks
Halstead Bank ($205.90M) · First Cahawba Bank ($205.74M)
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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