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Legacy Bank Hinton, OK

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Legacy Bank Hinton, OK Rates & Review September 2026

Q: How many branches does Legacy Bank Hinton, OK operate?

Legacy Bank Hinton, OK currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Legacy Bank Hinton, OK 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legacy Bank Hinton, OK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Legacy Bank Hinton, OK rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Legacy Bank Hinton, OK, and you can see how they compare in the Legacy Bank Hinton, OK rate tables below. MonitorBankRates evaluates the financial stability of Legacy Bank Hinton, OK with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.68%. Database rates last updated and verified on 09/19/2026.

Legacy Bank Hinton, OK 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 Hinton, OK? Share your experience about Legacy Bank Hinton, OK by leaving a review below, or read customer reviews before you decide to use Legacy Bank Hinton, OK.

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.68%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Legacy Bank

101 W Main St
Hinton, OK 73047

https://www.legacybank.com

Legacy Bank Hinton, OK Checking Rates

Product	Rate	APY
Win-Win Checking	-	7.00%
Min Deposit $100 Min Balance $7,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $7,000+ earn 7.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	6.00%
Min Deposit $100 Min Balance $6,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $6,000-$6,999.99 earn 6.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	5.00%
Min Deposit $100 Min Balance $5,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $5,000-$5,999.99 earn 5.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	4.00%
Min Deposit $100 Min Balance $4,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $4,000-$4,999.99 earn 4.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	3.00%
Min Deposit $100 Min Balance $3,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $3,000-$3,999.99 earn 3.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
50+ Interest Checking	-	2.00%
No additional details. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	2.00%
Min Deposit $100 Min Balance $2,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $2,000 - $2,999.99 earn 2.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Business Interest Checking	-	1.00%
No additional details. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	1.00%
Min Deposit $100 Min Balance $1,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $1,000-$1,999.99 earn 1.00% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	0.50%
Min Deposit $100 Min Balance $500 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Purchases $500-$999.99 earn 0.50% APY. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%
Win-Win Checking	-	0.02%
Min Deposit $100 Min Balance $100,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Tier 3 0.02% $100,000+. Use this account as your main bank checking account. Open your account with at least $100. Sign up for Direct Deposit (if available) or 2 automatic ACH payments. Receive your monthly statement and notices electronically. Use your Legacy Bank Visa Check Card at least 12 times per month for purchases totaling a minimum of $500. Last Updated 09/19/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.68%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Legacy Bank Hinton, OK’s Texas Ratio fell from 49.42% in Q3 2023 to 23.68% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.1 to 4.3 and its Health Grade from F to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$686M	23.68%	4.3	B-
March 31, 2026	$694M	9.65%	5.0	A
December 31, 2025	$661M	10.77%	5.0	A
September 30, 2025	$645M	29.51%	3.8	C
June 30, 2025	$642M	31.69%	3.6	C-
March 31, 2025	$632M	28.51%	3.9	C
December 31, 2024	$618M	38.42%	3.1	D
September 30, 2024	$600M	32.41%	3.6	D
June 30, 2024	$605M	34.68%	3.4	D
March 31, 2024	$596M	33.45%	3.5	D
December 31, 2023	$594M	47.14%	2.3	F
September 30, 2023	$606M	49.42%	2.1	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Legacy Bank Hinton, OK 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 Hinton, OK 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 Hinton, OK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Legacy Bank Hinton, OK

Bank Holding Company MIDSTATE BCORP INC

Address 101 W Main St, Hinton, OK 73047 · Caddo

Website https://www.legacybank.com

FDIC Certificate # 4042

Established 19020101

FDIC Insurance Date 19340101

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B-

Overall Health Grade Score: 81/100

4.3

Excellent Out of 5.0 Stars

23.68%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2243%

Return on Equity (ROE) 2.6200%

Non-Performing Loans (NPL) 1.97%

Total Assets $686,469,000

Total Deposits $624,807,000

Equity Capital $57,151,000

Net Income $763,000

Headquarters Hinton

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Legacy Bank Hinton, OK

How many branches does Legacy Bank Hinton, OK operate?

Legacy Bank Hinton, OK 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 Hinton, OK 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 Hinton, OK provides members with tools to manage their accounts and build a solid financial history.

Does Legacy Bank Hinton, OK offer online and mobile banking?

Most modern institutions like Legacy Bank Hinton, OK 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.legacybank.com.