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4055 West Sunset
Springdale, AR 72762

Legacy National Bank is headquartered in Springdale and is the 41st largest bank in the state of Arkansas. It is also the 2,359th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 54 employees at 5 locations. Legacy National Bank has a B+ health rating.

Reviews (2)

Avoid At All Cost

I would avoid the place... they employ some of the most morally bankrupt people i have ever meet

Great Service And Great Bank

I have banked with these fine folks since they first opened in 2005. 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Legacy National Bank had $8.32 million in non-current loans and owned real-estate with $41.72 million in equity and loan loss allowances on hand to cover it. This gives Legacy National Bank a Texas Ratio of 19.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Legacy National Bank decreased dramatically from 40.09% as of March 31, 2013 to 19.94% as of March 31, 2014, resulting in a positive change of 50.26%.This indicates that the balance sheet and financial strength for Legacy National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Legacy National Bank has increased its total deposits by $5.87 million, resulting in 2.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Legacy National Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Legacy National Bank has $274.42 million in assets with $41.72 million in equity, resulting in a capitalization level of 15.20%, which is excellent.

Institution Statistics

FDIC Certificate #57953
Year Established2005
Primary RegulatorOCC
Assets and Liabilities
Assets$274.42 million
Loans$213.22 million
Deposits$218.33 million
Equity Capital$37.81 million
Loan Loss Allowance$3.91 million
Unbacked Noncurrent Loans$2.54 million
Real Estate Owned$5.78 million
Historic Data - March 2013
Assets$275.76 million
Equity Capital$35.77 million
Loan Loss Allowance$4.37 million
Unbacked Noncurrent Loans$2.54 million
Real Estate Owned$7.79 million
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets0.66%
Return on Equity4.76%
Interest Income$2.61 million

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Legacy National Bank Locations
Butterfield Coach Road Branch``2081 Butterfield Coach RoadSpringdale, AR 72764
South Branch3607 South Thompson StreetSpringdale, AR 72764
Legacy National Bank4055 West SunsetSpringdale, AR 72762
Legacy National Bank Pinnacle Branch5415 Pinnacle Point Drive, Suite 500Rogers, AR 72758