🏦Bank Scorer

LEGACY NATIONAL BANK

SPRINGDALE, AR · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2005FDIC #57,953
Outstanding Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.33%

Institution Profile

FDIC BankFind

Address

4055 W Sunset Ave, SPRINGDALE, AR

County

Washington County

Established

March 28, 2005

Total Assets

$1.2B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 5, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$1.1B

Net Income

$4M

ROA

1.33%

ROE

14.57%

Risk-Based Capital

11.05%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate3.09%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416276.54%3.09%
202317470.69%2.30%
202223574.47%1.70%
202134071.47%4.41%
202021471.5%0.93%
201925274.21%3.17%
201822473.21%5.36%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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