Legacy Bank (Colwich, KS)
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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 Colwich, KS, established in 1886 (FDIC certificate 17676), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $865.0M, up 5.8% from Q2 2025, the 23rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17676
- Headquarters
- Colwich, KS
- Established
- 1886
- Total assets, Q2 2026
- $865.0M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 11.30%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101107886
- Holding company
- COLWICH FINANCIAL CORPORATION
- Asset rank in state
- 23rd of 182 in Kansas
Legacy Bank leans heavily on commercial real estate. Based in Colwich, Kansas, it had $865 million in assets at June 30, 2026, up 5.8% from a year earlier. It holds commercial real estate loans worth 3.2 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 11.30% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Net income for the quarter rose 14% from a year earlier, to $2.7 million. Over the same year, loans grew 12.5% and deposits grew 3.0%.
As of June 30, 2026, Legacy Bank reported a CET1 capital ratio of 11.30%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.41%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Legacy Bank is the 23rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $865.0M, loans rose 0.7% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.6% of total loans, followed by non-owner-occupied commercial real estate loans at 23.2%. The FDIC Summary of Deposits lists 10 offices for it, in 4 cities in KS; its Wichita 7 offices book 66% 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
- 123 E Chicago Ave, Colwich, KS 67030
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 22, 1886
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $721.8M
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $865.4M
- Average total loans
- $684.0M
- Average interest-bearing deposits
- $546.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 1956
- FDIC Cert
- 17676
- Fed RSSD
- 785950
- SEC CIK
- 1920032 → filed by COLWICH FINANCIAL CORPORATION
- Website
- www.legacy.bank →
- Parent Holding Company
- COLWICH FINANCIAL CORPORATION (RSSD 1416448)
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 $683.7M (Q3 2023) to $865.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$865.0M total assets against $817.7M; $779.0M total liabilities against $742.4M.
$672.9M net loans and leases against $597.9M; $721.8M total deposits against $700.7M.
$109.7M securities against $98.5M; $42.2M cash and balances due against $86.9M.
$12.7M total interest income against $12.0M; $3.9M total interest expense against $4.2M.
$8.8M net interest income against $7.7M.
$856K total noninterest income against $772K; $5.9M total noninterest expense against $5.0M.
$297K provision for credit losses against $421K.
$2.7M net income against $2.3M.
1.23% return on assets against 1.15%; 4.28% net interest margin against 3.99%.
11.30% CET1 capital ratio against 11.44%; 10.55% tier 1 leverage ratio against 10.11%.
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.
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
Its closest position to the top of a national ranking is 1,169 of 4,196, for total assets; its furthest is 1,891 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q2 2025) to 1.32% (Q4 2024) and its net interest margin ran from 3.85% (Q3 2024) to 4.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.30% | 1.23% | 0.06% | 0.41% | 4.28% |
| Q1 2026 | 11.11% | 1.19% | 0.05% | 0.37% | 4.26% |
| Q4 2025 | 11.43% | 1.27% | 0.02% | 0.12% | 4.06% |
| Q3 2025 | 11.39% | 1.24% | 0.02% | 0.18% | 3.98% |
| Q2 2025 | 11.44% | 1.15% | 0.00% | 0.07% | 3.99% |
| Q1 2025 | 11.25% | 1.23% | 0.17% | 1.85% | 3.94% |
| Q4 2024 | 11.21% | 1.32% | 0.00% | 1.16% | 3.98% |
| Q3 2024 | 11.11% | 1.16% | 0.00% | 1.17% | 3.85% |
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 |
|---|---|---|---|
| North Wichita Branch | Wichita , KS | 67205 | $266.4M |
| Pratt Branch | Pratt , KS | 67124 | $124.5M |
| Legacy Bank (main office) | Colwich , KS | 67030 | $96.3M |
| West Central Branch | Wichita , KS | 67212 | $73.8M |
| Wichita Branch | Wichita , KS | 67205 | $47.0M |
| Tallgrass Branch | Wichita , KS | 67226 | $46.6M |
| Sedgwick Branch | Sedgwick , KS | 67135 | $23.7M |
| Downtown Branch | Wichita , KS | 67214 | $22.3M |
| East Harry Branch | Wichita , KS | 67207 | $18.0M |
| North Maize Branch | Wichita , KS | 67205 | $3.1M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| September 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2018 | Structure Change | Acquired First National Bank in Pratt Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2012 | Structure Change | Acquired Alliant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 30 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 157 loans originated, $62.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 $865.0 million in its FFIEC call report.
Where is Legacy Bank headquartered?
It is headquartered in Colwich, KS, United States.
When was Legacy Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Legacy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17676). 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 11.30% in its Q2 2026 call report, above regulatory requirements.
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 0.41% 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.
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