Legacy National Bank

Legacy National Bank is headquartered in Springdale and is the 39^th largest bank in the state of Arkansas. It is also the 2,353^rd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 50 employees at 4 locations. Legacy National Bank has a 4-star health rating.

Legacy National Bank Routing Number: 082908858

Data for Q1 2012

Institution Statistics Legacy National Bank FDIC Certificate # 57953 BankRate Report View Year Established 2005 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $274.49 million Loans $179.09 million Deposits $212.67 million Equity Capital $34.34 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $6.94 million Real Estate Owned $9.14 million Historic Data - March 2011 Assets $265.17 million Equity Capital $33.79 million Loan Loss Allowance $5.07 million Unbacked Noncurrent Loans $10.37 million Real Estate Owned $13.37 million Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.23% Return on Equity 1.79% Interest Income $2.52 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Legacy National Bank had $16.07 million in non-current loans and owned real-estate with $38.95 million in equity and loan loss allowances on hand to cover it. This gives Legacy National Bank a Texas Ratio of 41.26% which is below 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 slightly from 61.08% as of March 31, 2011 to 41.26% as of March 31, 2012, resulting in a positive change of 32.45%.This indicates that the balance sheet and financial strength for Legacy National Bank has improved slightly in recent periods. Deposit Growth In the past year, Legacy National Bank has increased its total deposits by $8.84 million, resulting in 4.34% 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. Capitalization 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 $274.49 million in assets with $38.95 million in equity, resulting in a capitalization level of 14.19%, which is excellent.