Legacy Bank (FDIC #19011): Bank Stress & Real-Estate Credit Exposure

Legacy Bank (FDIC Cert #19011): bank stress 45/100, moderate, STABLE over 7 days; parent GNB BANKSHARES CORP.

Legacy Bank (#19011) lends in 3 counties across 1 state; Legacy Bank (#19011) reaches 43 ZIP codes: Virginia 3 counties, 43 ZIPs.

Legacy Bank (#19011) largest markets: Tazewell County, VA (18 branches, 18 ZIPs) (#19011), Buchanan County, VA (32 branches, 16 ZIPs) (#19011), Washington County, VA (11 branches, 11 ZIPs) (#19011).

Legacy Bank (#19011) reports $360.2 million in total assets; Legacy Bank (#19011) equity $65.1 million (18.1% of Legacy Bank (#19011) assets); Legacy Bank (#19011) domestic deposits $279.7 million; Legacy Bank (#19011) net income $1.5 million; Legacy Bank (#19011) return on assets 0.85%; Legacy Bank (#19011) return on equity 4.77%; Legacy Bank (#19011) net interest income $5.2 million; Legacy Bank (#19011) call report June 30, 2026.

Legacy Bank (#19011) noncurrent real-estate loans: none reported; Legacy Bank (#19011) net charge-offs on real estate 1.43%; Legacy Bank (#19011) multifamily charge-offs 0.02%; Legacy Bank (#19011) residential charge-offs 2.59%.

Legacy Bank (#19011) net interest margin 3.13% against an eight-quarter Legacy Bank (#19011) average of 3.08% (Legacy Bank (#19011) compression -0.05 points); Legacy Bank (#19011) non-residential real estate 258.6% of equity; Legacy Bank (#19011) rate-exposure score 40/100, Legacy Bank (#19011) fixed-rate trap 40/100; Legacy Bank (#19011) risk type credit driven; Legacy Bank (#19011) rate regime rates elevated, Legacy Bank (#19011) snapshot October 20, 2026.

Legacy Bank (#19011) stress score moved from 43 on June 22, 2026 to 45.1 on October 20, 2026; Legacy Bank (#19011) ranged 43 to 45.1 over 117 snapshots.

Legacy Bank (#19011) alerts: 3 counties; top Legacy Bank (#19011) alert scores: Abingdon County, VA 18 (low); Grundy County, VA 18 (low); Pounding Mill County, VA 18 (low).