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 Legacy Bank Colwich, KS Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Legacy Bank Colwich, KS's CD - 1 Year rates are at 3.70%, CD - 5 Year rates are at 3.45%, CD - 2 Year rates are at 3.40%, CD - 3 Year rates are at 3.35%, CD - 18-Month rates are at 3.20%. Legacy Bank Colwich, KS's savings rates are at 0.75%. Legacy Bank Colwich, KS's money market rates are at 2.50%. Legacy Bank Colwich, KS's checking rates are as high as 0.25%. Legacy Bank Colwich, KS's Auto Loan Rates are as low as 5.49%. Legacy Bank Colwich, KS's top CD rate of 4.15% APY on a 15 month CD is 39% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Legacy Bank Colwich, KS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.45%. Rates last updated and verified on 11/05/2026. Legacy Bank Colwich, KS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Legacy Bank Colwich, KS? Share your experience about Legacy Bank Colwich, KS by leaving a review below, or read customer reviews before you decide to use Legacy Bank Colwich, KS. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Legacy Bank Colwich, KS CD Rates
Legacy Bank Colwich, KS Savings Rates
Legacy Bank Colwich, KS Money Market Rates
Legacy Bank Colwich, KS Checking Rates
Legacy Bank Colwich, KS Home Equity & HELOC
Legacy Bank Colwich, KS Auto Loan Rates
Legacy Bank Colwich, KS RV, Boat and Powersport Loan Rates
Financial Health HistoryLegacy Bank Colwich, KS’s Texas Ratio fell from 1.85% in Q3 2023 to 0.45% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Legacy Bank Colwich, KS is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Legacy Bank Colwich, KS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Legacy Bank Colwich, KS's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Legacy Bank Colwich, KS
Website
https://www.legacy.bank
Address
123 E Chicago Ave,
Colwich, KS 67030 · Sedgwick
Bank Holding Company
COLWICH FINANCIAL CORP
FDIC Certificate #
17676
Regulator
FDIC
Established
February 22, 1886
FDIC Insurance Date
October 4, 1956
Domestic Offices
10
Total Branches
10
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.45%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2232%
Return on Equity (ROE)
12.4800%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
$864,965,000
Total Deposits
$721,830,000
Equity Capital
$86,007,000
Net Income
$5,202,000
Headquarters
Colwich
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Legacy Bank Colwich, KS
Frequently Asked Questions About Legacy Bank Colwich, KSDoes Legacy Bank Colwich, KS offer CDs?Yes. Legacy Bank Colwich, KS current CD rates include its CD - 1 Year at 3.70% APY, its CD - 5 Year at 3.45% APY and its CD - 2 Year at 3.40% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Legacy Bank Colwich, KS FDIC insured?Yes. Legacy Bank Colwich, KS is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Legacy Bank Colwich, KS?The highest Legacy Bank Colwich, KS CD rate is its Certificate of Deposit - 15-Month (Special Promotion) at 4.15% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Legacy Bank Colwich, KS offer?Legacy Bank Colwich, KS CD rates are 3.70% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.40% APY for a 2 year CD, 3.35% APY for a 3 year CD, 3.20% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Legacy Bank Colwich, KS for its full lineup. What is the highest savings rate at Legacy Bank Colwich, KS?The highest Legacy Bank Colwich, KS savings rate is its Health Savings Account at 0.75% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Legacy Bank Colwich, KS?The highest Legacy Bank Colwich, KS money market rate is its Money Market at 2.50% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Legacy Bank Colwich, KS?The highest Legacy Bank Colwich, KS checking rate is its Interest Checking at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does Legacy Bank Colwich, KS operate?Legacy Bank Colwich, KS currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Legacy Bank Colwich, KS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Legacy Bank Colwich, KS provides members with tools to manage their accounts and build a solid financial history. Does Legacy Bank Colwich, KS offer online and mobile banking?Most modern institutions like Legacy Bank Colwich, KS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.legacy.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Legacy Bank Colwich, KS rates compare?Legacy Bank Colwich, KS's top CD rate of 4.15% APY on a 15 month CD is 39% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Legacy Bank Colwich, KS's top rates are its Certificate of Deposit - 15-Month (Special Promotion) at 4.15% APY, its Health Savings Account at 0.75% APY, its Money Market at 2.50% APY, its Interest Checking at 0.25% APY and its Automobile Loan - 2021 & Newer at 5.49% APR, verified by MonitorBankRates on November 5, 2026. Current Legacy Bank Colwich, KS Rates
Retrieved from our database of financial products. Rates subject to change.
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