Legacy National Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 8.3.
Asset Mix:
Comm re (24%), home mtgs (21%), cash (7%), securities (5%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (36%)
States with Branches:
AR
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Legacy BancShares, Inc.
Investment Rating
--
Address
4055 West Sunset Avenue
Springdale, AR 72762
Springdale, AR 72762
Phone Number
(479) 717-1900
Year Founded
2005
FDIC Number
Website
Largest Affiliates
No affiliate information available.