Legacy Bank (FDIC #4042): Bank Stress & Real-Estate Credit Exposure
Legacy Bank (FDIC Cert #4042): bank stress 92/100, severe, STABLE over 7 days; parent MIDSTATE BCORP INC.
Legacy Bank (#4042) lends in 6 counties across 1 state; Legacy Bank (#4042) reaches 113 ZIP codes: Oklahoma 6 counties, 113 ZIPs.
Legacy Bank (#4042) largest markets: Oklahoma County, OK (110 branches, 55 ZIPs) (#4042), Caddo County, OK (34 branches, 17 ZIPs) (#4042), Custer County, OK (13 branches, 13 ZIPs) (#4042), Mcclain County, OK (26 branches, 13 ZIPs) (#4042), Stephens County, OK (20 branches, 10 ZIPs) (#4042), Beckham County, OK (7 branches, 7 ZIPs) (#4042).
Legacy Bank (#4042) reports $686.5 million in total assets; Legacy Bank (#4042) equity $57.2 million (8.3% of Legacy Bank (#4042) assets); Legacy Bank (#4042) domestic deposits $624.8 million; Legacy Bank (#4042) net income $763,000; Legacy Bank (#4042) return on assets 0.22%; Legacy Bank (#4042) return on equity 2.62%; Legacy Bank (#4042) net interest income $13.5 million; Legacy Bank (#4042) call report June 30, 2026.
Legacy Bank (#4042) noncurrent real-estate loans: none reported; Legacy Bank (#4042) residential 0.02%; Legacy Bank (#4042) net charge-offs on real estate 3.65%; Legacy Bank (#4042) residential charge-offs 5.59%.
Legacy Bank (#4042) net interest margin 4.19% against an eight-quarter Legacy Bank (#4042) average of 4.56% (Legacy Bank (#4042) compression 0.37 points); Legacy Bank (#4042) non-residential real estate 559.2% of equity; Legacy Bank (#4042) rate-exposure score 40/100, Legacy Bank (#4042) fixed-rate trap 40/100; Legacy Bank (#4042) risk type credit driven; Legacy Bank (#4042) rate regime rates elevated, Legacy Bank (#4042) snapshot October 19, 2026.
Legacy Bank (#4042) stress score moved from 87.6 on June 22, 2026 to 91.9 on October 19, 2026; Legacy Bank (#4042) ranged 87.6 to 91.9 over 116 snapshots.
Legacy Bank (#4042) alerts: 6 counties; top Legacy Bank (#4042) alert scores: Elk City County, OK 28 (low); Hinton County, OK 28 (low); Marlow County, OK 28 (low); Newcastle County, OK 28 (low); Oklahoma City County, OK 28 (low).