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Legacy Bank
Hinton, OK · FDIC Certificate #4042 · Chartered 01/0
Total assets
$686.47M
Total deposits
$624.81M
Total equity
$57.15M
Net loans
$413.98M
Branches (offices)
10
Net income (YTD)
$763.00K
Rank: #1,390 of 4,213 U.S. banks by assets · #39 of 168 in Oklahoma. Assets changed 6.9% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.22% |
| Return on equity | 2.62% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 8.33% |
| Tier 1 leverage ratio | 8.53% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 3.22% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 66.3% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $352.55M | 85.2% | |
| Commercial & industrial | $47.94M | 11.6% | |
| Consumer / individual | $4.44M | 1.1% | |
| Construction & development | $73.26M | 17.7% | |
| Agricultural | $10.95M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $704.62M | $547.54M | $5.05M | $54.95M |
| Jun 2023 | $608.77M | $542.47M | $1.69M | $58.28M |
| Jun 2024 | $605.45M | $543.33M | $1.67M | $57.80M |
| Jun 2025 | $642.44M | $579.62M | $1.71M | $58.25M |
| Jun 2026 | $686.47M | $624.81M | $763.00K | $57.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $624.81M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $624.81M.
Similar-sized banks
First Federal Savings Bank ($686.61M) · Jeff Bank, National Association ($686.25M)
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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