Bank · FDIC insured
Legacy Bank
A $686.5M bank headquartered in Hinton, OK, with 10 branches in Oklahoma. Best rates: savings 1.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.75%Needs another account or monthly activityCD rates →
- Savings851.49%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Legacy Bank
Founded in 1902 by Harrison Miller in Hinton, Legacy Bank is an Oklahoma community bank.
Robert S. Carmack acquired the bank in 1954, and the institution was renamed Legacy Bank in 1993 under CEO Stephen Carmack.
Legacy Bank operates branch locations across Oklahoma communities including Binger, Blanchard, Duncan, Elk City, Hinton, Marlow, Newcastle, Oklahoma City, and Weatherford.
- Headquarters
- 101 W Main St, Hinton, OK 73047
- FDIC certificate
- 4042 ↗
Branches
10 branches in Oklahoma
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Oklahoma
10 branches
Oklahoma City area · 4
- Blanchard Branch107 Northeast 10th Street, Blanchard, OK 73010Directions
- Tri-City Branch509 Nw 32nd St, Newcastle, OK 73065Directions
- Macarthur Branch13425 N Macarthur Blvd, Oklahoma City, OK 73142Directions
- Memorial Branch2801 W Memorial Rd, Oklahoma City, OK 73134Directions
Duncan area · 2
- Duncan Branch3696 N Highway 81, Duncan, OK 73533Directions
- Marlow Branch1401 S. Broadway, Marlow, OK 73055Directions
Hinton area · 1
- Legacy BankMain office101 W Main St, Hinton, OK 73047Directions
Binger area · 1
- Binger Branch225 W Main St, Binger, OK 73009Directions
Elk City area · 1
- Elk City Branch921 W 3rd St, Elk City, OK 73644Directions
Weatherford area · 1
- Weatherford Branch701 E Main St, Weatherford, OK 73096Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.22% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $67 | $81 | — |
- CapitalLeverage ratio8.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.22%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$67Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Legacy Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.