Legacy Bank
Total assets
$1.27B
▲ +8.3% YoY
Deposits
$1.15B
▲ +7.9% YoY
Loans
$1.07B
▲ +16.9% YoY
Offices
10
LEGACY BANCSHARES INC
ROA (annualized)
1.40%
peers 1.26%
ROE (annualized)
15.48%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Legacy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.5% | +2.8 pts |
| Deposit growth (YoY) | +7.9% | +5.1% | +2.8 pts |
| Loan growth (YoY) | +16.9% | +5.9% | +11.0 pts |
| ROA | 1.40% | 1.26% | +0.1 pts |
| ROE | 15.5% | 12.2% | +3.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
Profile
- Established
- 2005
- Charter
- State
- Primary regulator
- FED
- Holding company
- LEGACY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 4055 W Sunset Ave, Springdale, AR, 72762
- County
- Washington
- Metro area
- Fayetteville-Springdale-Rogers, AR
- Offices
- 10
- FDIC cert #
- 57953
- RSSD ID
- 3306280
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.27B | $1.15B | $1.07B | $114.5M | $8.6M | 1.40% | 4.20% | 0.13% |
| Q1 2026 | $1.22B | $1.10B | $1.06B | $110.7M | $4.0M | 1.33% | 4.22% | 0.12% |
| Q4 2025 | $1.18B | $1.04B | $1.03B | $107.5M | $11.4M | 0.99% | 3.77% | 0.11% |
| Q3 2025 | $1.19B | $1.08B | $973.7M | $104.3M | $8.1M | 0.94% | 3.59% | 0.27% |
| Q2 2025 | $1.17B | $1.06B | $918.4M | $100.6M | $4.5M | 0.79% | 3.46% | 0.25% |
| Q1 2025 | $1.15B | $1.04B | $869.9M | $97.9M | $2.0M | 0.72% | 3.30% | 0.30% |
| Q4 2024 | $1.08B | $975.1M | $849.5M | $95.7M | $6.1M | 0.58% | 2.98% | 0.37% |
| Q3 2024 | $1.07B | $966.0M | $838.7M | $94.8M | $4.4M | 0.57% | 2.91% | 0.46% |
Loan mix (Q2 2026): real estate $986.9M · commercial $74.3M · consumer $10.3M · securities $41.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.70% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Legacy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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