LEGACY STATE BANK

LOGANVILLE, GA | Small | Est. March 15, 2005, midnight | FDIC #57882 | RSSD #3340903 | FDIC
Latest Report: 2025-12-31

LEGACY STATE BANK is asn small FDIC-insured commercial bank headquartered in LOGANVILLE, GA, established in March 15, 2005, midnight. As of 2025-12-31, the bank reported total assets of $191M and total deposits of $165M. Profitability stands at 1.28% ROA and 10.97% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 14.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.31%. FDIC Certificate #57882.

Assets

$191M

Deposits

$165M

Loans

$134M

Equity

$22M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.97%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.55%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio --
Texas Ratio 0.31%
NPA Ratio 0.04%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 14.46%
Tier 1 Capital 14.99%
Total Capital Ratio 16.14%
Leverage Ratio 12.31%
Loan-to-Deposit 81.59%

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