# LEGACY BANK
WILEY, CO · FDIC certificate 12699 · asset band $300M-1B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $484.1M | |
| Deposits | $419.1M | |
| Loans and leases | $306.4M | |
| Total equity | $61.8M | |
| Loans / deposits | 71.91% (p59 of band) | 67.37% |
| Liquid assets / assets | 30.74% (p37 of band) | |
| Uninsured deposits / deposits | 23.00% (p33 of band) | 27.42% |
| Brokered deposits | 1.04% | |
| Wholesale funding | 1.04% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.41% (p90 of band) | 9.71% |
| Unrealized securities loss / equity | -13.06% (p45 of band) | -11.40% |
| AOCI / equity | -13.36% (p33 of band) | |
| ROA (annualized) | 1.85% (p93 of band) | 0.94% |
| Net interest margin | 4.11% (p94 of band) | 3.10% |
| Efficiency ratio | 53.65% (p17 of band) | |
| Noncurrent loans | 0.94% (p81 of band) | 0.29% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 174.73% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 61.69% (p66 of band) | |
| Auto loans | $600,000 (0.20% of loans; DQ 2.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 4 | capital falling, charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | capital falling, charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling | noncurrent p90 |
| 2014-03 | 3 | noncurrent p90 | capital falling |
| 2014-06 | 2 | brokered >10% | charge-offs p90, noncurrent p90 |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 3 | capital falling | noncurrent p90 |
| 2015-03 | 2 | wholesale funding >15% | reserve under noncurrent, capital falling |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 2 |  | reserve under noncurrent, capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | reserve under noncurrent | brokered >10% |
| 2017-09 | 2 | brokered >10% |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent | brokered >10% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | charge-offs p90, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Millsap retiring from Legacy Bank & Trust after 50 years - Christian County Headliner News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSmR2eFpiRUpWWE9LM2Fqbk55VjBTYjdyRmxnWlRTM0M0OFZiNFhSRU1YU0hfNjB1bGhpT0ViZGdsZ3dGV1ROZFNQb3V4RnJsdG5YT3NjS3lTenNrWkZ4YUttVXFyTlFKT0VjeVdmdWRQUmVPTWxZdks3VWE5MkpUdzV6UlAzOWw4RnlJWl9zRzRRY1NLT0hj?oc=5) · Christian County Headliner News
- 2026-05-13 [Legacy Bank rebrands, seeks state charter - Talk Business & Politics](https://news.google.com/rss/articles/CBMif0FVX3lxTE1vdXBRdkNIS25UV0M1aVZfVzRiaUp6eFNrTllubzNHUm53NG1Hcm5EOWxXMzd5alJYQkNJT1pxa0tGcGZiNWQ3NkRpelp3QjFYbE9yRm1PcXVnSU4zZlg5Y0M4aWF0eHVjbkVhQTJQd2lBYzJTN1lNbjVtZXVEMGc?oc=5) · Talk Business & Politics
- 2026-07-06 [Legacy Bank parent set to rebrand to Uplift Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMk5CZGhzd0p1eWQ2YkNkOEZ0U21iUUJGZGlVMzZUUzR5V2hvc3g5QW4zUURyRVRyeWlfNXpDMGZJU29iR1VmdUZmQUZMU3ItS2ZGN3IxZFg5c0dQMEZ0RWpvT3RITGtRT0c2blJDWWtOQnhjTEZjRkpNRlMxaVJFT0RrQWpQUQ?oc=5) · Springfield Business Journal
- 2026-01-05 [Little Rock’s Southern Bancorp Inc. completes acquisition of Missouri-based Legacy Bank and Trust - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdTM4ZmJWTjNNSnlrcXhBTXRBYTZ6SmZ2Mlc1UklTaVF5aU5wMjVzQVRCY2ZLNEVLMXR1OU9IUmZFZVQyX0xJZE1SRmp5VGFUdzBzdjBYaVp1M2hheGFrUEFtcXZGWk4wbUFOU085djhIbTE1SnlFMXU4UUg4eU90VXlaVEFoU1pSczJkMzJRNGxxaVJTdHBN?oc=5) · The Arkansas Democrat-Gazette
- 2026-01-05 [Southern Bancorp closes on Legacy buyout, creates $5 billion company - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMitAFBVV95cUxPT0s5Z1Z0eXphcUdjMFpNbDRVQkFDdTNXN2F1WUxIeHdvWEd2QnVTa1VpN3hHRnVMRE1VMmRsVk9HenhZdElSWlFwY1pNcFN0R0xOcUJ4aS1PMHlOajUweFhDZG81Q0Z0a0JUeWFzQ01zUE00ZnBCVVB5Qnc5ZERHOUdETXlkclp1YTZTcWxUR2Y5T2U3YjRrUGxrWnZEbTNCUDUtS3ZZcGFmZDJJMVM1ZWxOYzk?oc=5) · Springfield Daily Citizen
- 2026-06-17 [Legacy Bank, McAlister’s Deli on tap for Farmington planners - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWHVzRGNNc25PcjZzcUt3QnBMNE9YYVhISXhpWFJ6WEVOdEI5RDJvSHB0N2cyWjgyRk1NbzRQTGJTMlFUbzlHWnNLSlUwTGdFcTJkbTJHYXV3V0tBdmY2RG5WUHJFZ3BBR0Y4UXh3blhUV0NhT1IzdG9FRkdIVTFiTnljTFFBX1dtUUVNbDlvZ0xJcWtESndmR193?oc=5) · Northwest Arkansas Democrat-Gazette
- 2026-08-04 [Legacy Bank Cores Cannot Power AI Agents: Maximum Raises $30M to Replace Them - Tech Times](https://news.google.com/rss/articles/CBMixgFBVV95cUxNdnhlbkJYVWlnVkhHZjV0cDcxS2Z3UTlsbkNxeTNCNm1PNl9INXEtcVZKQmcxVDlmM2R5N1p5d2VkeUdvUWxQWmlCZmNiRXRmeThQcWxhQVl2WXhBRWFDMm5tWE5pajJhNTkwdF8zdWNGR3lQcDdvY204UjFHYndjeDZ2RGFJZkhvUmR6UmJFckxpMDR2d2N6d3h1RnQ2SEJfMWdGM01LdmFxMVFhV2pFLW52UTVyOHJnc0VyTFhMN25tbWJ1RkE?oc=5) · Tech Times
- 2026-01-09 [Legacy Bank & Trust acquisition completed by Arkansas bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNeUQwRkkwVUFQLVZkV3E2cTFJdS1jNmkwYVpCOFZGRURJN2JjdEVKbFllUEJlVzlzcS02cDlfNVBLOXFIUVlzVzJYS2VIMTRLa0JDamhpaGNpbXRKLTQ4aDVRT3hva2xtSDEwcWR4T2g1bUU3dDhkX3ZQaTZlVzdfRUxCOWVaSlRxbGpUdE94V0g?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12699 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "12699", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide