Legacy Bank
Hinton, OK · Cert 4042 · Peer group: banks under $1B in assets in OK (n=88-89) · Midstate Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$686.5MAssets
$420.7MLoans
$624.8MDeposits
$57.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 73% of banks under $1B in assets in OK (rank 24 of 89).
- Widest gap: efficiency ratio trails 90% of banks under $1B in assets in OK (rank 81 of 89).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.22%
Rank 80 of 89
Net Interest Margin
3.93%
Rank 44 of 89
Efficiency Ratio
92.26%
Rank 81 of 89
Equity / Assets
8.33%
Rank 78 of 89
Non-interest income vs. expense
Unfavorable gap of $24.7M · efficiency ratio beats 10% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.22% | 0.85% | 1.26% | 1.60% | Beats 10% | 80 / 89 | | |
| Return on Equity | 2.67% | 7.40% | 11.89% | 14.65% | Beats 11% | 79 / 89 | | |
| Net Interest Margin | 3.93% | 3.46% | 3.93% | 4.45% | Beats 51% | 44 / 89 | | |
| Efficiency Ratio | 92.26% | 54.70% | 60.95% | 71.14% | Beats 10% | 81 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.22% | 0.30% | 0.82% | 2.25% | Beats 16% | 75 / 88 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 61% | 36 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 14.83% | 10.89% | 13.00% | 16.33% | Beats 70% | 27 / 89 | | |
| Total Risk-Based Capital Ratio | 16.09% | 11.20% | 13.06% | 16.33% | Beats 73% | 24 / 89 | | |
| Equity / Assets | 8.33% | 9.26% | 10.94% | 13.52% | Beats 12% | 78 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.33% | 61.51% | 72.27% | 84.01% | 36th pctl | 56 / 88 | | |
| Loans / Assets | 61.28% | 52.51% | 63.15% | 71.27% | 45th pctl | 49 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |