Legacy State Bank
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Data as of · sourced from FFIEC call reports. How we update
Legacy State Bank is an FDIC-insured commercial bank headquartered in Loganville, GA, established in 2005 (FDIC certificate 57882), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $205.9M, up 13.7% from Q2 2025, the 87th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57882
- Headquarters
- Loganville, GA
- Established
- 2005
- Total assets, Q2 2026
- $205.9M
- Assets vs Q2 2025
- +13.7%
- Tier 1 leverage ratio, Q2 2026
- 12.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061120518
- Asset rank in state
- 87th of 121 in Georgia
Legacy State Bank, based in Loganville, Georgia, reported $206 million in assets at June 30, 2026, up 13.7% from a year earlier. It grew its loan book 19.7% over the year, 3.6 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 18% from a year earlier, to $627,000. Over the same year, loans grew 19.7% and deposits grew 15.7%. Funding is the softer spot: it pays an average of 2.24% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Legacy State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Legacy State Bank is the 87th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 6.1% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 33.4% of total loans, followed by owner-occupied commercial real estate loans at 25.5%. The FDIC Summary of Deposits lists 2 offices for it, in Loganville, GA and Monroe, GA; its Loganville office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Legacy State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3825 Harrison Rd, Loganville, GA 30052
- County
- Gwinnett
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 15, 2005
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $180.2M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $208.7M
- Average total loans
- $151.6M
- Average interest-bearing deposits
- $155.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 2005
- FDIC Cert
- 57882
- Fed RSSD
- 3340903
- Website
- http://www.legacystatebank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Legacy State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legacy State Bank's total assets ranged from $153.1M (Q3 2023) to $205.9M (Q1 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
$205.9M total assets against $181.0M; $182.6M total liabilities against $160.2M.
$153.6M net loans and leases against $128.2M; $180.2M total deposits against $155.8M.
$40.4M securities against $31.7M; $7.4M cash and balances due against $15.8M.
$3.1M total interest income against $2.7M; $1.0M total interest expense against $883K.
$2.0M net interest income against $1.8M.
$38K total noninterest income against $40K; $1.2M total noninterest expense against $1.1M.
$65K provision for credit losses against $98K.
$627K net income against $530K.
1.20% return on assets against 1.16%; 3.96% net interest margin against 4.09%.
12.05% tier 1 leverage ratio against 12.30%.
Inside the full Legacy State 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 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 State Bank rankings
Its closest position to the top of a national ranking is 1,664 of 3,606, for efficiency ratio; its furthest is 3,092 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q1 2025) to 1.26% (Q4 2025) and its net interest margin ran from 3.60% (Q1 2025) to 4.09% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.20% | 0.05% | 0.30% | 3.96% |
| Q1 2026 | 12.11% | 0.96% | 0.05% | 0.31% | 3.87% |
| Q4 2025 | 12.31% | 1.26% | 0.06% | 0.31% | 3.97% |
| Q3 2025 | 12.39% | 1.06% | 0.06% | 0.32% | 3.92% |
| Q2 2025 | 12.30% | 1.16% | 0.00% | 0.00% | 4.09% |
| Q1 2025 | 12.09% | 0.59% | 0.00% | 0.00% | 3.60% |
| Q4 2024 | 12.22% | 0.95% | 0.00% | 0.00% | 3.74% |
| Q3 2024 | 11.95% | 1.20% | 0.00% | 0.00% | 3.65% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Legacy State Bank (main office) | Loganville , GA | 30052 | $155.5M |
| Monroe Office Branch | Monroe , GA | 30655 | $24.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 117 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.3M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank
What are Legacy State Bank's total assets?
As of the Q2 2026 filing, Legacy State Bank reported total assets of $205.9 million in its FFIEC call report.
Where is Legacy State Bank headquartered?
It is headquartered in Loganville, GA, United States.
When was Legacy State Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Legacy State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57882). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legacy State Bank?
Legacy State Bank's primary federal regulator is the FDIC.
How many branches does Legacy State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legacy State Bank's Texas Ratio?
Its Texas Ratio is 0.30% 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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