TellerScore

Headquartered in Hinton, Oklahoma, Legacy Bank is a state-chartered bank with $686.5M in total assets and $624.8M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1902.

Based on its Q2 2026 filing, Legacy Bank scores 36/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 163rd. Its strongest component is funding & liquidity (94/100; 66% loans-to-deposits, 15% uninsured), and its lowest is loan quality (0/100; 3.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.53%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.22%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 66.3% · 14.9% uninsured
Problem-loan coverage58/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 21.19%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (40 → 36), mostly because the problem-loan coverage component improved by 16 points.

TellerScore
354657Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202437
Q4 202435
Q1 202543
Q2 202540
Q3 202540
Q4 202557
Q1 202655
Q2 202636
Tier 1 leverage ratio
5.00%7.36%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.73%
Q3 20249.55%
Q4 20249.36%
Q1 20259.38%
Q2 20259.20%
Q3 20259.19%
Q4 20258.83%
Q1 20268.75%
Q2 20268.53%
Noncurrent loans
1.26%3.50%5.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20245.46%
Q3 20244.94%
Q4 20245.75%
Q1 20254.33%
Q2 20254.70%
Q3 20254.42%
Q4 20251.50%
Q1 20261.26%
Q2 20263.22%
Return on assets
0.10%0.49%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.22%
Q4 20240.10%
Q1 20250.88%
Q2 20250.54%
Q3 20250.52%
Q4 20250.85%
Q1 20260.34%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$686.5M8.53%3.22%0.22%66.3%
Q1 202655$694.0M8.75%1.26%0.34%63.9%
Q4 202557$660.7M8.83%1.50%0.85%65.2%
Q3 202540$644.9M9.19%4.42%0.52%66.5%
Q2 202540$642.4M9.20%4.70%0.54%63.7%
Q1 202543$632.1M9.38%4.33%0.88%64.4%
Q4 202435$618.5M9.36%5.75%0.10%66.7%
Q3 202437$599.8M9.55%4.94%0.22%68.3%
Q2 202440$605.4M9.73%5.46%0.56%66.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio8.53%
7th
Total risk-based capital16.09%
74th
Problem loans3.22%
5th
Net charge-offs-0.09%
98th
Return on assets0.22%
6th
Net interest margin4.19%
65th
Efficiency ratio92.3%
4th
Loans to deposits66.3%
75th
Uninsured deposits14.9%
82nd
Loan-loss reserves1.60%
84th
Texas ratio21.2%
5th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
Grand BankBank Tulsa, OK73 out of 100, Strong$712.8M10.3%0.00%vs
Prism BankBank Guthrie, OK63 out of 100, Moderate$720.9M10.1%0.49%vs
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs

Deposit insurance

Is my money safe at Legacy Bank?

Yes. Legacy Bank is an FDIC-insured institution (FDIC certificate #4042). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.9% of deposits ($93.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.09% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Legacy Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Legacy Bank reported 156 home-loan applications under HMDA (LEI 549300E76OWAX7HQJX42): 131 originated ($40,785,000 total), 20 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, 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.

Identity & history

Profile

Legal name
Legacy Bank
Former names
First Community Bank; Legacy Bank ACB; The First National Bank of Binger; Binger Community Bank; The Community Bank
Type
State-chartered bank
FDIC certificate #
4042
RSSD ID
320052
Primary regulator
FDIC
Holding company
Midstate Bcorp Inc
Established
January 1, 1902
Headquarters
101 W Main St, Hinton, OK 73047
Employees
155

Quick answers

Legacy Bank: common questions

Is Legacy Bank FDIC insured?

Yes. Legacy Bank is an FDIC-insured institution (FDIC certificate #4042). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Legacy Bank's TellerScore?

36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Legacy Bank ever failed?

There is no failure record for FDIC certificate #4042 in the FDIC failed bank list.

How many branches does Legacy Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hinton

InstitutionScoreAssetsCapitalProblem loansCompare
The First Bank of OkarcheBank Okarche, OK89 out of 100, Very strong$137.5M16.1%1.04%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
First State BankBank Anadarko, OK74 out of 100, Strong$139.6M11.2%0.34%vs