LEGACY NATIONAL BANK

SPRINGDALE, AR | Large | Est. March 28, 2005, midnight | FDIC #57953 | RSSD #3306280 | OCC
Latest Report: 2025-12-31

LEGACY NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in SPRINGDALE, AR, established in March 28, 2005, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.13% ROA and 12.63% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 10.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 1.05%. FDIC Certificate #57953.

Assets

$1.2B

Deposits

$1.0B

Loans

$1.0B

Equity

$107M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 12.63%
Net Interest Margin (NIM) 4.33%
Yield on Assets 6.55%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.05%
NPA Ratio 0.11%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 10.16%
Tier 1 Capital 10.16%
Total Capital Ratio 11.42%
Leverage Ratio 8.80%
Loan-to-Deposit 100.98%

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