Is Legacy State Bank Safe?
Legacy State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (71/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.99% | 92/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 27.71% | 91/100 |
| Return on Assets | 1.28% | 71/100 |
| Total Assets | $0.2B | |
How does Legacy State Bank compare?
With a Bank Health Score of 92/100, Legacy State Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Legacy State Bank ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 13.99% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Legacy State Bank's Bank Health Score fell by 3.0 points to 92/100. Tier 1 capital weakened by 1.12 percentage points to 13.99%. Quarter-over-quarter, the score fell by 3.0 points.
Legacy State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (71/100).