Legacy Bank: how it compares with its peers
Against 21 AR banks with half to twice its assets, Legacy Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $6.7M peer median). Its weakest relative measure is return on assets (1.40% vs. 1.42%).
| Measure | Legacy Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.42% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 4.01% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.54% | 57.54% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.7M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.69% | 86.67% | Context |
What it means for lending operations
Its efficiency ratio of 55.54% is better than the 57.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Evolve Bank & Trust West Memphis, AR · $1.19B
- Anstaff Bank Green Forest, AR · $1.18B
- Fm Bank And Trust Blytheville, AR · $1.36B
- First Arkansas Bank and Trust Jacksonville, AR · $1.14B
- Relyance Bank White Hall, AR · $1.43B
- Generations Bank Rogers, AR · $1.09B
Questions about Legacy Bank
How big is Legacy Bank?
Legacy Bank, established in 2005, is headquartered in Springdale, AR. It reported $1.27B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Legacy Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.42% median for 21 AR banks with half to twice its assets, ahead of 48% of them.
What is Legacy Bank's efficiency ratio?
55.54% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 57.54%, and lower is better.
Is Legacy Bank growing its loans?
Net loans grew 16.9% over the year to Q2 2026, while deposits grew 7.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.