# LEGACY BANK
HINTON, OK · FDIC certificate 4042 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $686.5M | |
| Deposits | $624.8M | |
| Loans and leases | $420.7M | |
| Total equity | $57.2M | |
| Loans / deposits | 66.26% (p20 of band) | 82.04% |
| Liquid assets / assets | 35.88% (p76 of band) | |
| Uninsured deposits / deposits | 14.89% (p13 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.53% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -3.30% (p70 of band) | -8.10% |
| AOCI / equity | -4.51% (p1 of band) | |
| ROA (annualized) | 0.22% (p6 of band) | 1.28% |
| Net interest margin | 4.19% (p67 of band) | 3.91% |
| Efficiency ratio | 92.26% (p96 of band) | |
| Noncurrent loans | 3.22% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | -0.06% (p1 of band) | |
| Reserve coverage of noncurrent | 49.61% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 128.19% (p94 of band) | |
| Auto loans | $1.2M (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 155 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, construction >100% equity |  |
| 2012-03 | 2 | expense ratio p90 | capital falling, construction >100% equity |
| 2012-06 | 1 |  | expense ratio p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 | construction >100% equity | reserve under noncurrent, capital falling |
| 2013-09 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2013-12 | 4 | capital falling | noncurrent p90 |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 7 | losing money, expense ratio p90, noncurrent p90, assets shrinking |  |
| 2014-12 | 7 |  |  |
| 2015-03 | 6 |  | losing money |
| 2015-06 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 7 |  | uninsured deposits leaving |
| 2015-12 | 5 | uninsured deposits leaving | charge-offs p90, reserve under noncurrent, noncurrent p90 |
| 2016-03 | 5 | charge-offs p90 | uninsured deposits leaving |
| 2016-06 | 5 | liquid assets <10% | charge-offs p90 |
| 2016-09 | 5 |  |  |
| 2016-12 | 2 |  | construction >100% equity, assets shrinking, deposits shrinking |
| 2017-03 | 1 |  | liquid assets <10% |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | expense ratio p90, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | construction >100% equity, deposits shrinking |  |
| 2020-03 | 6 | capital falling, losing money, uninsured deposits leaving |  |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15% | expense ratio p90, deposits shrinking, losing money, uninsured deposits leaving |
| 2020-09 | 5 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | capital falling, charge-offs p90 | noncurrent p90 |
| 2021-06 | 6 |  |  |
| 2021-09 | 4 |  | capital falling, charge-offs p90 |
| 2021-12 | 5 | noncurrent p90 |  |
| 2022-03 | 4 | charge-offs p90, assets shrinking | construction >100% equity, loans exceed deposits, noncurrent p90 |
| 2022-06 | 4 | noncurrent p90 | wholesale funding >15% |
| 2022-09 | 3 |  | reserve under noncurrent |
| 2022-12 | 3 | reserve under noncurrent | charge-offs p90 |
| 2023-03 | 4 | construction >100% equity |  |
| 2023-06 | 3 |  | construction >100% equity |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 6 | capital falling, charge-offs p90 |  |
| 2024-03 | 2 |  | assets shrinking, uninsured deposits leaving, capital falling, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 6 | capital falling, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2024-12 | 5 |  | construction >100% equity |
| 2025-03 | 2 |  | capital falling, expense ratio p90, charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | capital falling, expense ratio p90 |  |
| 2025-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2026-03 | 3 | construction >100% equity |  |
| 2026-06 | 5 | noncurrent p90, reserve under noncurrent |  |

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

- 2026-08-20 [Legacy Bank and Trust Data Breach: Personal and Financial Info Exposed - Claim Depot](https://news.google.com/rss/articles/CBMiZkFVX3lxTE41X1Fld3RhQ2Y3LUM4dVM2Y3hya09sZmZjT3NRZkpxdWhsNURRVENQMFVhZl9Xa19tYzNGdTZsZ09UOGdoZXhhbnlSdkFWVGJTVWlVSUpYYjdNUFBOa2hlVjlOT2ktdw?oc=5) · Claim Depot
- 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 [Southern Bancorp Acquires Legacy Bank & Trust of Missouri - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMieEFVX3lxTE93OFA1aWlyLThWMS1pLVJ1bHpITEZNUktrVkJ4TGRSYXZMZDJzbmxFb3lPaWtwMGszeFNOeHBBU2RnNVhLanFZOFlPTE9NSlZ2ZWlTdG4tQnpQUUFaUVBsVUNTNVo3X3NObVRudnpLd21hRFhWNlRvMA?oc=5) · Arkansas Money &amp; Politics
- 2026-07-01 [Farmington planners approve new restaurant, new bank - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbFk4TEVlSmoxbnZKbHp6M0NWc0Uybk5aT1p3SVNwUVFCalJoZ0hCd21fWHpwOTJGVG5VbWl1NWdJOEZaRXhybE5xd3llVUpzWmNjZktBaDl0akNGM0VRU1BweHJlWGFXQ1NEQ2Q1alA2eTJzNFdjamJrN3N6bDhDVlRpU3ZmNEpGMWZtc29Eam8yQTZDaVE?oc=5) · Northwest Arkansas Democrat-Gazette
- 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
- 2026-01-09 [Legacy Bank & Trust acquisition completed by Arkansas bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNeUQwRkkwVUFQLVZkV3E2cTFJdS1jNmkwYVpCOFZGRURJN2JjdEVKbFllUEJlVzlzcS02cDlfNVBLOXFIUVlzVzJYS2VIMTRLa0JDamhpaGNpbXRKLTQ4aDVRT3hva2xtSDEwcWR4T2g1bUU3dDhkX3ZQaTZlVzdfRUxCOWVaSlRxbGpUdE94V0g?oc=5) · Springfield Business Journal
- 2024-06-26 [Legacy Bank and Trust adds new North Texas branches, including Fort Worth - Fort Worth Report](https://news.google.com/rss/articles/CBMisgFBVV95cUxQX3FPMVRGM3lqMDFEUHhxM3Z3S2d4TjdycE5VVXE0VElYV1FoRkJSMEsyZERpazRDRnlXYnhneE9iSzVDTF9EZEZkMlVKOEZIdjVaSlBCbTZfZ3I0NEozTk5paWdTYlliZHRaVkZKQlcwQUt1UkFJbk5EX042Qjc1Uy1zTkczR2x2TkxRMlUtUi12NlJfRHZ5U0l0Sm1yZmlKdmZNdVJkN0wwek5DbWtYM0pB?oc=5) · Fort Worth Report
- 2023-11-06 [Legacy National Bank opens 2nd Bentonville branch - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQzd6OGFaQ28wenJSZmhXV1ItUlF4bDBvWmFRNkZSNU9GcVVLRURyUzlZOHpSMm1RWm93dktTTXdMVkU4eDl4czg3OFJ6VkxXaURaamdKZTllNktpbXVMZFVjSHhCUzZvZkk0a1lYWWVOSk5HU01ycVRtdTJpZ3BIcGNZUmFISnpCbTk0?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4042 (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/10.json (key "4042", 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