Headquartered in Loganville, Georgia, Legacy State Bank is a state-chartered bank with $205.9M in total assets and $180.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2005.
Based on its Q2 2026 filing, Legacy State Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 63rd. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is funding & liquidity (45/100; 85% loans-to-deposits, 43% uninsured).
TellerScore · Q2 2026
Scorecard
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 2 points (77 → 75), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 74 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.68% |
| Q3 2024 | 11.94% |
| Q4 2024 | 12.22% |
| Q1 2025 | 12.09% |
| Q2 2025 | 12.30% |
| Q3 2025 | 12.39% |
| Q4 2025 | 12.31% |
| Q1 2026 | 12.11% |
| Q2 2026 | 12.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $205.9M | 12.05% | 0.05% | 1.11% | 85.2% |
| Q1 2026 | 75 | $205.9M | 12.11% | 0.05% | 0.98% | 80.9% |
| Q4 2025 | 77 | $191.3M | 12.31% | 0.06% | 1.04% | 80.6% |
| Q3 2025 | 77 | $186.8M | 12.39% | 0.06% | 0.95% | 81.7% |
| Q2 2025 | 77 | $181.0M | 12.30% | 0.00% | 0.89% | 82.3% |
| Q1 2025 | 74 | $182.0M | 12.09% | 0.00% | 0.60% | 79.1% |
| Q4 2024 | 78 | $172.8M | 12.22% | 0.00% | 1.07% | 80.2% |
| Q3 2024 | 78 | $173.0M | 11.94% | 0.00% | 1.11% | 78.5% |
| Q2 2024 | 76 | $173.3M | 11.68% | 0.00% | 1.05% | 80.5% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| First Bank of Coastal GeorgiaBank Pembroke, GA | 59 out of 100, Moderate | $215.7M | 9.1% | 0.35% | vs |
| Mount Vernon BankBank Mount Vernon, GA | 71 out of 100, Strong | $217.6M | 10.3% | 0.64% | vs |
| Peoples BankBank Lyons, GA | 49 out of 100, Below average | $192.4M | 11.2% | 5.12% | vs |
Deposit insurance
Is my money safe at Legacy State Bank?
Yes. Legacy State Bank is an FDIC-insured institution (FDIC certificate #57882). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.7% of deposits ($76.9M) 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 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Legacy State Bank lists 2 offices in 2 cities. Most locations:
- Loganville, GA (1)
- Monroe, GA (1)
Identity & history
Profile
- Legal name
- Legacy State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57882
- RSSD ID
- 3340903
- Primary regulator
- FDIC
- Established
- March 15, 2005
- Headquarters
- 3825 Harrison Rd, Loganville, GA 30052
- Website
- www.legacystatebank.com
- Employees
- 24
Quick answers
Legacy State Bank: common questions
Is Legacy State Bank FDIC insured?
Yes. Legacy State Bank is an FDIC-insured institution (FDIC certificate #57882). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Legacy State Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Legacy State Bank ever failed?
There is no failure record for FDIC certificate #57882 in the FDIC failed bank list.
How many branches does Legacy State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Loganville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |