Legacy Bank (Hinton, OK)
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Data as of · sourced from FFIEC call reports. How we update
Legacy Bank is an FDIC-insured commercial bank headquartered in Hinton, OK, established in 1902 (FDIC certificate 4042), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $686.5M, up 6.9% from Q2 2025, the 39th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4042
- Headquarters
- Hinton, OK
- Established
- 1902
- Total assets, Q2 2026
- $686.5M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 14.83%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 103104887
- Holding company
- MIDSTATE BANCORP, INC.
- Asset rank in state
- 39th of 169 in Oklahoma
Problem loans are rising at Legacy Bank. The Hinton, Oklahoma bank had $686 million in assets at June 30, 2026, up 6.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.07% of loans from 2.21% a year earlier. It earns about $0.10 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 96 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $180,000 was 46% below a year earlier. Over the same year, loans grew 12.2% and deposits grew 7.8%. Where it has less room is capital: it funds 8.53% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Legacy Bank reported a CET1 capital ratio of 14.83%, a return on assets of 0.10%, a nonperforming-loan ratio of 3.22% and a Texas ratio of 20.21%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Legacy Bank is the 39th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $686.5M, loans rose 2.6% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 24.6% of total loans, ahead of 1-4 family residential loans at 23.7%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in OK; its Oklahoma City 2 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Legacy Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Hinton, OK 73047
- County
- Caddo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Former names
- Legacy Bank ACB (1997-2000); First Community Bank (1990-1997); The Community Bank (1983-1990); Binger Community Bank (1965-1983)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 155
- Domestic deposits
- $624.8M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- -$194K
- Average total assets
- $686.2M
- Average total loans
- $413.5M
- Average interest-bearing deposits
- $597.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4042
- Fed RSSD
- 320052
- Website
- http://www.legacybank.com →
- Parent Holding Company
- MIDSTATE BANCORP, INC. (RSSD 1054091)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legacy Bank's total assets ranged from $594.5M (Q4 2023) to $694.0M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$686.5M total assets against $642.4M; $629.3M total liabilities against $584.2M.
$414.0M net loans and leases against $369.2M; $624.8M total deposits against $579.6M.
$208.2M securities against $205.9M; $38.1M cash and balances due against $39.0M.
$9.8M total interest income against $9.8M; $3.2M total interest expense against $3.0M.
$6.6M net interest income against $6.7M.
$616K total noninterest income against $800K; $6.9M total noninterest expense against $7.0M.
$128K provision for credit losses against $149K.
$180K net income against $333K.
0.10% return on assets against 0.21%; 4.02% net interest margin against 4.46%.
14.83% CET1 capital ratio against 16.99%; 8.53% tier 1 leverage ratio against 9.20%.
Inside the full Legacy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Legacy Bank rankings
Its closest position to the top of a national ranking is 168 of 3,640, for Texas Ratio; its furthest is 3,531 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.45% (Q3 2024) to 1.79% (Q4 2025) and its net interest margin ran from 4.02% (Q2 2026) to 4.76% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 0.10% | 3.22% | 20.21% | 4.02% |
| Q1 2026 | 15.41% | 0.35% | 1.26% | 6.98% | 4.33% |
| Q4 2025 | 15.99% | 1.79% | 1.50% | 7.99% | 4.44% |
| Q3 2025 | 16.68% | 0.49% | 4.42% | 12.84% | 4.49% |
| Q2 2025 | 16.99% | 0.21% | 4.70% | 14.26% | 4.46% |
| Q1 2025 | 16.97% | 0.89% | 4.33% | 11.23% | 4.64% |
| Q4 2024 | 15.93% | -0.27% | 5.75% | 19.75% | 4.38% |
| Q3 2024 | 16.27% | -0.45% | 4.94% | 14.63% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Memorial Branch | Oklahoma City , OK | 73134 | $111.6M |
| Duncan Branch | Duncan , OK | 73533 | $86.8M |
| Blanchard Branch | Blanchard , OK | 73010 | $80.9M |
| Legacy Bank (main office) | Hinton , OK | 73047 | $69.2M |
| Elk City Branch | Elk City , OK | 73644 | $62.9M |
| Tri-City Branch | Newcastle , OK | 73065 | $56.4M |
| Weatherford Branch | Weatherford , OK | 73096 | $55.0M |
| Binger Branch | Binger , OK | 73009 | $44.2M |
| Macarthur Branch | Oklahoma City , OK | 73142 | $35.9M |
| Marlow Branch | Marlow , OK | 73055 | $21.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2000 | Structure Change | Acquired Legacy Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1992 | Structure Change | Acquired Red River Federal Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Structure Change | Acquired American National Bank Elk City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 28, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 40 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 156 applications, 131 loans originated, $40.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $1.3M approved, $190K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Legacy Bank
What are Legacy Bank's total assets?
As of the Q2 2026 filing, Legacy Bank reported total assets of $686.5 million in its FFIEC call report.
Where is Legacy Bank headquartered?
It is headquartered in Hinton, OK, United States.
When was Legacy Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Legacy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4042). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legacy Bank?
Legacy Bank's primary federal regulator is the FDIC.
What is Legacy Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Legacy Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legacy Bank's Texas Ratio?
Its Texas Ratio is 20.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Legacy Bank previously called?
The charter now named Legacy Bank has also operated as Legacy Bank ACB (1997-2000), First Community Bank (1990-1997), The Community Bank (1983-1990), Binger Community Bank (1965-1983), per FDIC structure-change records.
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