Legacy Bank — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Springdale, Legacy Bank serves the Arkansas market as a community-focused commercial bank. On its most recent Q1 2026 call report, Legacy reported $1.2B in total assets against $1.1B in deposits. The bank posts a strong 1.32% ROA and 14.57% ROE. Capital cushions are healthy: 9.80% CET1, 8.94% Tier 1 leverage. Asset quality is solid — 0.61% nonperforming loans and a 5.91% Texas Ratio. 10 branches make up the footprint.
Headquarters Profile
- Address
- 4055 W Sunset Ave , SPRINGDALE , AR 72762
- County
- Washington
- Metro Area
- FAYETTEVILLE-SPRINGDALE-ROGERS, AR
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- March 28, 2005
- Branches
- 10 domestic
- Employees (FTE)
- 150
- FDIC Cert
- 57953
- Fed RSSD
- 3306280
- Website
- www.legacyar.com →
- Parent Holding Company
- LEGACY BANCSHARES, INC. (RSSD 5070192)
Profitability
Capital & Liquidity
Inside the full Legacy Bank terminal
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Watch 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital — the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Legacy Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | 9.80% | 1.32% | 0.61% | 5.91% | 4.26% |
| 2025-12-31 | 9.40% | 1.13% | 0.67% | 6.43% | 4.17% |
| 2025-09-30 | 9.84% | 1.19% | 1.22% | 11.24% | 3.68% |
| 2025-06-30 | 10.07% | 0.85% | 0.83% | 7.41% | 3.53% |
| 2025-03-31 | 10.31% | 0.73% | 0.37% | 3.26% | 3.31% |
| 2024-12-31 | 10.53% | 0.63% | 0.45% | 3.91% | 3.08% |
| 2024-09-30 | 10.62% | 0.73% | 0.50% | 4.84% | 2.82% |
| 2024-06-30 | 10.38% | 0.49% | 0.53% | 5.19% | 2.74% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 10 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Legacy National Bank | Springdale , AR | 72762 | $576.8M |
| Bentonville Branch | Bentonville , AR | 72712 | $134.0M |
| Gravette Branch | Gravette , AR | 72736 | $93.8M |
| East Joyce Branch | Fayetteville , AR | 72703 | $90.9M |
| Legacy National Bank Branch | Rogers , AR | 72758 | $75.9M |
| Hiwasse-Bellavista Branch | Hiwasse , AR | 72739 | $27.7M |
| Legacy National Bank - Lincoln Branch | Lincoln , AR | 72744 | $23.9M |
| Butterfield Coach Road Branch`` | Springdale , AR | 72764 | $22.2M |
| South Branch | Springdale , AR | 72764 | $14.8M |
| Downtown Bentonville Branch | Bentonville , AR | 72712 | $2.1M |
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Legacy Bank
What are Legacy Bank's total assets?
As of the Q1 2026 filing, Legacy Bank reported total assets of $1.22 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Legacy Bank headquartered?
Legacy Bank is headquartered in SPRINGDALE, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Legacy Bank founded?
Legacy Bank was established in 2005, per the FDIC institution directory.
Is Legacy Bank FDIC-insured?
Yes. Legacy Bank is an FDIC-insured commercial bank (FDIC Certificate #57953). 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 OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Legacy Bank's CET1 capital ratio?
Legacy Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.80% in its most recent quarterly filing — above the 7% level required once the capital conservation buffer is included.
How many branches does Legacy Bank operate?
Legacy Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Legacy Bank's Texas Ratio?
Legacy Bank's Texas Ratio is 5.91% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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