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This institution is no longer active

Operations ceased on April 29, 2000. CRA examination history below reflects the period it was active.

LEGACY BANK

HINTON, OK · Supervised by FDIC

Est. 1954FDIC #17,359RSSD: FDIC-17359
Part ofMIDSTATE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

101 West Main, HINTON, OK

County

Caddo County

Established

September 20, 1954

Total Assets

$67M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2000Call Report / FDIC

Total Assets

$67M

Total Deposits

$61M

Net Loans

$58M

Net Income

$187K

ROA

1.15%

ROE

15.11%

Risk-Based Capital

9.19%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.39%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202453285.71%6.39%
202353985.34%7.79%
202262991.57%2.70%
202169886.82%6.73%
202065584.89%6.87%
201968580.44%10.66%
201862677.96%12.94%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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