The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 10 points (78 → 68), mostly because the loan quality component weakened by 28 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Virginia

Yes. Legacy Bank is an FDIC-insured institution (FDIC certificate #19011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.4% of deposits ($90.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.81% (benchmark: 10%).

Check how much of your own balance is covered

Legacy Bank lists 4 offices in 3 cities. Most locations:

• Grundy, VA (2)
• Abingdon, VA (1)
• Pounding Mill, VA (1)

All branch addresses and map

In 2025, Legacy Bank reported 91 home-loan applications under HMDA (LEI 254900QIXIWRRJZY1H73): 82 originated ($16,170,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Legacy Bank

Former names

Grundy National Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

19011

RSSD ID

268828

Primary regulator

FED

Holding company

Gnb Bankshares Corp

Established

January 21, 1964

Headquarters

20957 Riverside Dr, Grundy, VA 24614

Website

www.mylegacybank.net

Employees

49