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401 South Semoran Boulevard
Winter Park, FL 32792

United Legacy Bank is headquartered in Winter Park and is the 105th largest bank in the state of Florida. It is also the 2,706th largest bank in the nation. It was established in 2001 and as of June of 2014, it had grown to 36 employees at 5 locations. United Legacy Bank has a A health rating.

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11-Month CD Special at United Legacy Bank in Central Florida - 2/7/2014

United Legacy Bank has a nice CD promotion. It’s offering a special 11-month CD with a 1.15% APY. Minimum deposit is $1,000, and the maximum is $99,000 per depositor. This special doesn’t appear to be ...

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Data for Q2 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 June 30, 2014 United Legacy Bank had $2.57 million in non-current loans and owned real-estate with $25.52 million in equity and loan loss allowances on hand to cover it. This gives United Legacy Bank a Texas Ratio of 10.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Legacy Bank decreased slightly from 13.93% as of June 30, 2013 to 10.08% as of June 30, 2014, resulting in a positive change of 27.66%.This indicates that the balance sheet and financial strength for United Legacy Bank has improved slightly in recent periods.

Deposit Growth


In the past year, United Legacy Bank has increased its total deposits by $25.16 million, resulting in 14.16% 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 United Legacy Bank has shown is excellent.



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. United Legacy Bank has $233.52 million in assets with $25.52 million in equity, resulting in a capitalization level of 10.93%, which is above average.

Institution Statistics

FDIC Certificate #57164
Year Established2001
Primary RegulatorFED
Assets and Liabilities
Assets$233.52 million
Loans$148.49 million
Deposits$202.93 million
Equity Capital$23.40 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$0
Historic Data - June 2013
Assets$200.06 million
Equity Capital$22.03 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$102,000
Profit Margin - Quarterly
Return on Assets0.31%
Return on Equity3.13%
Interest Income$4.14 million

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United Legacy Bank Locations
Kissimmee Korners Branch1017 East Vine StreetKissimmee, FL 34744
United Legacy Bank401 South Semoran BoulevardWinter Park, FL 32792
Longwood Branch-Main Office Branch425 Highway 17-92 SouthLongwood, FL 32779
Oviedo Branch977 West BroadwayOviedo, FL 32765