Legacy Bank (FDIC #17676): Bank Stress & Real-Estate Credit Exposure

Legacy Bank (FDIC Cert #17676): bank stress 66/100, elevated, STABLE over 7 days; parent COLWICH FINANCIAL CORP.

Legacy Bank (#17676) lends in 3 counties across 1 state; Legacy Bank (#17676) reaches 73 ZIP codes: Kansas 3 counties, 73 ZIPs.

Legacy Bank (#17676) largest markets: Sedgwick County, KS (416 branches, 52 ZIPs) (#17676), Harvey County, KS (13 branches, 13 ZIPs) (#17676), Pratt County, KS (11 branches, 11 ZIPs) (#17676).

Legacy Bank (#17676) reports $865.0 million in total assets; Legacy Bank (#17676) equity $86.0 million (9.9% of Legacy Bank (#17676) assets); Legacy Bank (#17676) domestic deposits $721.8 million; Legacy Bank (#17676) net income $5.2 million; Legacy Bank (#17676) return on assets 1.22%; Legacy Bank (#17676) return on equity 12.48%; Legacy Bank (#17676) net interest income $17.5 million; Legacy Bank (#17676) call report June 30, 2026.

Legacy Bank (#17676) noncurrent real-estate loans: none reported; Legacy Bank (#17676) net charge-offs on real estate 0.06%; Legacy Bank (#17676) residential charge-offs 0.17%.

Legacy Bank (#17676) net interest margin 4.36% against an eight-quarter Legacy Bank (#17676) average of 4.11% (Legacy Bank (#17676) compression -0.25 points); Legacy Bank (#17676) non-residential real estate 17.2% of equity; Legacy Bank (#17676) rate-exposure score 40/100, Legacy Bank (#17676) fixed-rate trap 40/100; Legacy Bank (#17676) risk type credit driven; Legacy Bank (#17676) rate regime rates elevated, Legacy Bank (#17676) snapshot October 20, 2026.

Legacy Bank (#17676) stress score moved from 66.4 on June 22, 2026 to 66.3 on October 20, 2026; Legacy Bank (#17676) ranged 66.3 to 66.4 over 117 snapshots.

Legacy Bank (#17676) alerts: 3 counties; top Legacy Bank (#17676) alert scores: Sedgwick County, KS 44 (moderate); Pratt County, KS 34 (low); Wichita County, KS 28 (low).