# LEGACY BANK
COLWICH, KS · FDIC certificate 17676 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $865.0M | |
| Deposits | $721.8M | |
| Loans and leases | $681.5M | |
| Total equity | $86.0M | |
| Loans / deposits | 93.22% (p78 of band) | 82.04% |
| Liquid assets / assets | 17.56% (p24 of band) | |
| Uninsured deposits / deposits | 24.23% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.78% (p62 of band) | |
| FHLB advances / assets | 5.78% | |
| Tier 1 leverage | 10.55% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -8.99% (p47 of band) | -8.10% |
| AOCI / equity | 0.03% (p81 of band) | |
| ROA (annualized) | 1.22% (p47 of band) | 1.28% |
| Net interest margin | 4.36% (p76 of band) | 3.91% |
| Efficiency ratio | 59.49% (p44 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 2231.78% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 165.91% (p98 of band) | |
| Auto loans | $1.1M (0.15% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 137 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | wholesale funding >15% |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 2 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | wholesale funding >15%, capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | construction >100% equity, wholesale funding >15% |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 3 | capital falling, securities losses >30% of equity |  |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-04-27 [Legacy Bank invests in Goddard with plans for 11th branch, naming rights to park - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNaDFGc3BxNU5Lalk3RDFRc3l4RFhnNDFrQ3NJbWlfWDRIOXFpSl9iZTNYVkFpdEMtdXVIZmQ1My1iSDN5QlVwdnc3eHZJTEl3dGo5TVV4QjdLcjN4c1J2al9XcGh6SW4tZWtiUEpDZG52MHZESEpCU0VpQVZHdFZpM3EzazMtNkp6a1ZPSm9PR3diZw?oc=5) · The Business Journals
- 2026-07-12 [Few Wichita suburbs get public naming rights deals. So what is different about this one? - Wichita Eagle](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1IbEhQS1dESGJQZzlfYXhLTnZxelQwN24zOUxJaEMxMHNZVXVFR0Qtb2xXRXB1SzJDNi0xa0pMOU1EOVBzODNpaW1LMi00eWRzWENXSk1rNU5DTk9abmlWWlVROFRFd9IBZkFVX3lxTFBFajBVNE1sYVlHTDYzcTY4OTZqWUJoYjl0WVZnMlAzbGUwM3lMeFRpTVVrSE8xMEh4bHpPTlZ2cEpSQ2lWZ0VaNlZybHVWbEdTcmJGNjQxRkJCbEtzTFg0Q0gwQWxfdw?oc=5) · Wichita Eagle
- 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
- 2025-11-26 [Legacy Bank moves into office building formerly occupied by J.P. Weigand & Sons - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOblh4cFNSRmpMR1c3SkVZcmtjSFF3RGFETE5qUjNWaC1TM2oyQTlYMWNUTVJEdGZBNHZNVkdjT0xtOTVvY25NS3JEMkpka2JJSHVyTC1nSjR5YXpTQjhTb3RmaUZsbHp0N2FNcVNDX2pXOUszZU9kRGlxeWdPUnRRODVEUnNxaFJKYXhIeUpmZVJiZkJ5ZUpFWGtwMzNISEh5ODZj?oc=5) · The Business Journals
- 2026-05-04 [New park with destination playground, pickleball, fishing pond coming to this KS city - Wichita Eagle](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBWSmdOdkZMYU8zMDUzMk5FVDIteEhTejF1dWpacFczN1lRajgwSHloRl95bEEwbzlENUxiVk4xZ25JZ3I2WDZKN0hiSjU1dFBnMHRObVREdm51V1VkVDdWVHRKN3p4d9IBZkFVX3lxTFBQaWVKeEFVejBhRWEwT28yQmJLS2FuSFNRYmsxelNqNER4cEFKZzFNX2pvek1HeVRHblZIRVJELXpCemtXRC13S3NZTW5qUV9iWU9DU0hEUUxHWElxM045azYzX1Z2Zw?oc=5) · Wichita Eagle
- 2026-01-05 [Southern Bancorp Acquires Legacy Bank & Trust of Missouri - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMieEFVX3lxTE93OFA1aWlyLThWMS1pLVJ1bHpITEZNUktrVkJ4TGRSYXZMZDJzbmxFb3lPaWtwMGszeFNOeHBBU2RnNVhLanFZOFlPTE9NSlZ2ZWlTdG4tQnpQUUFaUVBsVUNTNVo3X3NObVRudnpLd21hRFhWNlRvMA?oc=5) · Arkansas Money & Politics
- 2025-06-03 [Southern Bancorp to buy out Springfield-based Legacy Bank - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQczhvU1hfWERmaXhuSkJmLWpYWVRrWDhfckpqM0tFVmRwUEFvWEY2NXRmbzhDSDVoRzluQUY2TWVFaTVMX2Zhd0Y2TDNFcWlBRkdXOVdIdnY4M1Bmd0VBUU91TnJYSUc4OWZnOVAwTmFaVkt1dkJsak90QkZmZ2kwQW96Z01SckNFTkxtYU5BeUJLU2ZmczdXSHB5Ykh4VXhkTTdqZ05DYUE?oc=5) · Springfield Daily Citizen
- 2023-10-20 [A Conversation With ... Dustin Royster - Springfield Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE9MMktBNnh0R3FhVHNqeWV5bFZIQlIxWnhYNURUd1VqODlMSE5LUDVvam8wZ1JfUG9Razk3R24wLUZQQjR6ZDBFT003dldjMk1ZNDVTT2QwY0RROXNFekpzalBKTHEtaDFhM1JTTmRpT1V6QQ?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17676 (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/12.json (key "17676", 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.

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