# LEGACY STATE BANK
LOGANVILLE, GA · FDIC certificate 57882 · asset band <$300M · 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 | $205.9M | |
| Deposits | $180.3M | |
| Loans and leases | $155.4M | |
| Total equity | $23.3M | |
| Loans / deposits | 85.22% (p71 of band) | 73.59% |
| Liquid assets / assets | 23.24% (p29 of band) | |
| Uninsured deposits / deposits | 42.66% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.97% (p53 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 12.05% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -12.03% (p35 of band) | -6.57% |
| AOCI / equity | -1.40% (p20 of band) | |
| ROA (annualized) | 1.11% (p47 of band) | 1.17% |
| Net interest margin | 4.05% (p57 of band) | 3.93% |
| Efficiency ratio | 62.18% (p41 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2402.67% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 86.56% (p92 of band) | |
| Auto loans | $40,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | wholesale funding >15%, leverage <7%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | charge-offs p90 | wholesale funding >15% |
| 2011-09 | 11 | leverage <5%, capital falling |  |
| 2011-12 | 6 |  | leverage <7%, charge-offs p90, leverage <5%, capital falling |
| 2012-03 | 6 | assets shrinking | NIM <2.5% |
| 2012-06 | 9 | leverage <7%, capital falling, deposits shrinking |  |
| 2012-09 | 9 |  |  |
| 2012-12 | 9 |  |  |
| 2013-03 | 7 |  | capital falling, deposits shrinking |
| 2013-06 | 6 |  | assets shrinking |
| 2013-09 | 7 | capital falling |  |
| 2013-12 | 10 | leverage <5%, AOCI drag >20% of equity |  |
| 2014-03 | 5 |  | losing money, capital falling, leverage <5%, AOCI drag >20% of equity |
| 2014-06 | 5 |  |  |
| 2014-09 | 3 |  | noncurrent p90, construction >100% equity |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | losing money | reserve under noncurrent |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 | charge-offs p90 | expense ratio p90, losing money |
| 2016-09 | 3 | expense ratio p90 | charge-offs p90 |
| 2016-12 | 6 | losing money, charge-offs p90, construction >100% equity |  |
| 2017-03 | 7 | leverage <5% | charge-offs p90 |
| 2017-06 | 4 | uninsured deposits leaving | capital falling, construction >100% equity, leverage <5% |
| 2017-09 | 4 | construction >100% equity | uninsured deposits leaving |
| 2017-12 | 1 |  | leverage <7%, losing money, construction >100% equity |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 | charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 1 | securities losses >30% of equity | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2026-06-15 [Pinnacle adds 11 financial services professionals in Metro Atlanta and Northeast Georgia - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNXzgxUVlFVlFtNGlxMHQ1R04tUmRoR0RQckVGVXpZbWhNRVA4em5NT24tdE1uWkZaR0RES2kyQzZOWFJUaHFaTVYyNUFySDg1SDM5dUNPTkdaV3VOMGhBdDBWZUMzenVLRGtXX2g0N1dPUF9CTy1EVjBuRThEMUM0WS1BTG9kZlBjdl82ZEVPMUNUaVd2V1dQcTRZbHNSbDBSXzdHNlpFTmk3bVpMSDBJOURkTXVUYlZWSUQ0UERUYnNmZEE4a3VTeVlCYXNibnI1VTZKSVZmVW9OQmN3S3c4?oc=5) · Pinnacle Financial Partners
- 2018-10-10 [Legacy State Bank makes leadership changes - WaltonTribune.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcGRmOGJkZTJpOW5FYlFlc0dPSVFKanhVRXF3NERvemJib3NVUTY4em92eHdWVUZoUUkwejdoNGN4My03VkJFRDkyOEtrdzBkMWF6eThObkdUdldGN1VHZV9Gb2sxR2dtRGNJN3JibUJXT2tEVzBWNUFVeV9pM0daYWtuRlYtazZ5ZHBJRg?oc=5) · WaltonTribune.com
- 2025-01-08 [Breaking: Armed robbery suspect arrested following a chase in Loganville - Monroe Local News](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOVhIYVoyeUtaME1FLU1vZ2dmOGlsaE5YRk82TkpsRmYwWDFhYWpUdWpibjZEdXQtZi11dnRtVmwyQXRKT0dQTngzaXhpNXR2M1VDMnl6YmQ1aUU3c0hFaDI1ejNPLVN6eUtfSmRUM1VpcWFDdnZaWXpIdm1VdFZzMG1IUTd3LWZ3RlVVaFhmaE9Mb0xyelpaV3BxZWNXd1pOTUJJ?oc=5) · Monroe Local News
- 2021-09-14 [Loganville Gets Ready To Groove For The Last Time This Year - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxOeVlUSnhieGhIcWROLW5HNTd4TkVjLTB0VkQ5Z3dHc3MxOUlqN1NLWXhWMHN1NzcyZU0yMG5zUjhfS05LSzByazU3bmpiaU05bWJWUk1qaDRVUFltWHFEZ09uRGVhTGpFeEtxTno4UDNXX01fcjQ3YWIwWkY5d3I4bmloWmtwVTQ?oc=5) · Patch
- 2014-11-04 [Rob Kiser Obituary (2014) - Loganville, GA - Atlanta Journal-Constitution - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxNYTFKZDlSdDRvTmlVT1hNOW1EdjA4d2daNTNYUlRoVEdYcGF1bUFlSWhLNWIwLUMzV3gyWVVjOWdSTUt4aXJPVm5pUjRfcmdiOVY5eDAxYmY0QUZjZF90c2FNQmlmdVlFWG5NYUdXLTNrMWF5U2VyVE5hellCeG5GMVY3RjdoYU0?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57882 (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/26.json (key "57882", 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