Springdale, AR · Cert 57953 · Legacy Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 5.7% share · #4 of 42 inst. · $1.1B of $20.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.58% | 0.72% | 0.79% | 0.94% | 0.99% | 1.33% | 1.40% | +62 bps | |
| Return on Equity | 6.36% | 6.57% | 8.25% | 9.10% | 10.84% | 11.31% | 14.57% | 15.48% | +638 bps | |
| Net Interest Margin | 2.59% | 2.68% | 3.12% | 3.14% | 3.17% | 3.45% | 3.98% | 3.85% | +71 bps | |
| Efficiency Ratio | 75.18% | 74.39% | 69.85% | 66.40% | 63.41% | 60.82% | 55.02% | 55.54% | -1,086 bps | |
| Non-Interest Burden | 1.86% | 1.91% | 2.10% | 2.00% | 1.91% | 1.99% | 2.06% | 2.00% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.12% | 9.53% | 13.37% | 8.78% | 11.74% | 9.03% | 6.36% | 8.28% | -50 bps | |
| Loan Growth (YoY) | 2.77% | 1.34% | 4.38% | 9.44% | 15.85% | 21.25% | 21.83% | 16.83% | +738 bps | |
| Deposit Growth (YoY) | 15.26% | 9.97% | 14.03% | 8.68% | 11.87% | 6.15% | 5.66% | 7.87% | -82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.46% | 0.39% | 0.32% | 0.32% | 0.10% | 0.14% | 0.10% | -22 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.02% | 0.01% | 0.03% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 1.49% | 1.46% | 1.42% | 1.34% | 1.27% | 1.30% | 1.31% | 1.30% | -4 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.1x | 3.7x | 4.2x | 3.9x | 13.5x | 9.5x | 13.3x | +9.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.52% | 8.67% | 8.77% | 8.43% | 8.29% | 8.80% | 8.94% | 8.85% | +42 bps | |
| Total Risk-Based Capital | 11.88% | 11.79% | 11.56% | 11.32% | 11.09% | 10.65% | 11.05% | 11.28% | -4 bps | |
| Equity / Assets | 8.87% | 8.87% | 8.53% | 8.58% | 8.73% | 9.14% | 9.06% | 9.02% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.13% | 88.40% | 84.71% | 87.65% | 91.25% | 100.98% | 97.68% | 94.93% | +728 bps | |
| Liquid Assets / Assets | 4.84% | 7.14% | 7.00% | 7.88% | 6.42% | 1.91% | 3.59% | 5.97% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 411% | 437% | 450% | n/a | n/a | |