LEGACY BANK

GRUNDY, VA | Small | Est. Jan. 21, 1964, midnight | FDIC #19011 | RSSD #268828 | FED
Latest Report: 2025-12-31

LEGACY BANK is asn small FDIC-insured commercial bank headquartered in GRUNDY, VA, established in Jan. 21, 1964, midnight. As of 2025-12-31, the bank reported total assets of $364M and total deposits of $287M. Profitability stands at 0.88% ROA and 5.00% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 27.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.13% and a Texas Ratio of 5.66%. FDIC Certificate #19011.

Assets

$364M

Deposits

$287M

Loans

$236M

Equity

$63M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 5.00%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.09%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 1.13%
Net Charge-Off Ratio 0.08%
Texas Ratio 5.66%
NPA Ratio 1.02%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 27.11%
Tier 1 Capital 27.11%
Total Capital Ratio 28.11%
Leverage Ratio 20.28%
Loan-to-Deposit 82.32%

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