LEGACY BANK

HINTON, OK | Medium | Est. Jan. 1, 1902, midnight | FDIC #4042 | RSSD #320052 | FDIC
Latest Report: 2025-12-31

LEGACY BANK is amn medium FDIC-insured commercial bank headquartered in HINTON, OK, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $661M and total deposits of $596M. Profitability stands at 1.81% ROA and 19.74% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 16.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 9.73%. FDIC Certificate #4042.

Assets

$661M

Deposits

$596M

Loans

$395M

Equity

$59M

Profitability

Return on Assets (ROA) 1.81%
Return on Equity (ROE) 19.74%
Net Interest Margin (NIM) 4.63%
Yield on Assets 6.67%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio -0.53%
Texas Ratio 9.73%
NPA Ratio 0.97%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 16.00%
Tier 1 Capital 16.00%
Total Capital Ratio 17.25%
Leverage Ratio 8.83%
Loan-to-Deposit 66.24%

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