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Legacy Bank
Grundy, VA · FDIC Certificate #19011 · Chartered 01/2
Total assets
$360.22M
Total deposits
$279.69M
Total equity
$65.10M
Net loans
$231.76M
Branches (offices)
4
Net income (YTD)
$1.53M
Rank: #2,199 of 4,213 U.S. banks by assets · #42 of 56 in Virginia. Assets changed 0.7% and deposits -5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 4.77% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 18.07% |
| Tier 1 leverage ratio | 20.64% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 1.78% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $189.40M | 81.7% | |
| Commercial & industrial | $18.16M | 7.8% | |
| Consumer / individual | $19.93M | 8.6% | |
| Construction & development | $20.51M | 8.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $323.76M | $265.99M | $1.61M | $57.30M |
| Jun 2023 | $328.43M | $270.06M | $1.20M | $57.75M |
| Jun 2024 | $325.55M | $257.88M | $976.00K | $57.79M |
| Jun 2025 | $357.75M | $295.80M | $1.54M | $61.12M |
| Jun 2026 | $360.22M | $279.69M | $1.53M | $65.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $279.69M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $279.69M.
Similar-sized banks
Roxboro Savings Bank, SSB ($360.68M) · Bankokolona ($359.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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