PackageTrendsPeer
Letter portraitLegal landscape

Legacy Bank & Trust Company

Mountain Grove, MO · Cert 22319 · Southern Bcorp Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Legacy Bank & Trust Company

Mountain Grove, MO · Cert 22319 · Southern Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 9 branches (63 in holding)

Q2 2026

$1.8BAssets
$1.5BLoans
$1.5BDeposits
$226.6MEquity
Loan mix
88%RE $1.3B12%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.4B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.93%Q2 ’246.24%Q2 ’255.98%Q2 ’26+25%+6%

Non-interest income vs. expense

2.45%Q2 ’241.91%Q2 ’251.93%Q2 ’26-90%+1309%

Market Position · Springfield, MO · 2026 SOD (annual) · 5.0% share · #7 of 41 inst. · $0.9B of $17.8B

5.4% Greene
21.1% Henry
0.5% Tulsa
7.1% Christian

Executive Summary

  • Earnings: ROA of 1.17%, down 111 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 1.47% of loans (+135 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.91%, up 6 bps from a year ago.
  • Funding: loans stand at 95.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%-111 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+19 bps YoY

Efficiency Ratio (YTD, annualized)

52.47%+1,377 bps YoY

Tier 1 Leverage Ratio

11.91%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.28%1.96%1.76%1.19%1.17%-111 bps
Return on Equity20.02%16.80%14.79%9.58%9.50%-1,052 bps
Net Interest Margin3.15%3.22%3.34%3.43%3.34%+19 bps
Efficiency Ratio38.70%42.25%48.62%52.34%52.47%+1,377 bps
Non-Interest Burden0.13%0.64%1.10%1.81%1.77%+165 bps
Growth
Asset Growth (YoY)10.09%4.57%-0.93%-4.59%-1.44%-1,153 bps
Loan Growth (YoY)7.18%-0.25%-5.28%-7.32%-6.73%-1,390 bps
Deposit Growth (YoY)8.73%1.57%-3.65%-5.58%-2.58%-1,131 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.02%0.02%0.33%1.47%+135 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.20%1.19%1.25%1.20%+4 bps
Allowance Coverage of NPLs9.8x51.4x51.9x3.8x0.8x-9.0x
Capital
Tier 1 Leverage Ratio11.85%12.27%12.76%11.71%11.91%+6 bps
Total Risk-Based Capital14.53%15.20%12.76%11.71%11.91%-262 bps
Equity / Assets11.99%12.56%12.67%12.11%12.28%+29 bps
Liquidity & Funding
Loans / Deposits99.93%101.14%98.98%98.63%95.67%-425 bps
Liquid Assets / Assets11.06%11.66%13.82%11.88%7.18%-388 bps
CRE / Total Capitaln/a519%500%559%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Legacy Bank & Trust Company

Mountain Grove, MO · Cert 22319 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Southern Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 9 branches (63 in holding)

Q2 2026

$1.8BAssets
$1.5BLoans
$1.5BDeposits
$226.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 92% of banks $1B-$10B in assets operating regionally (rank 15 of 176).
  • Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets operating regionally (rank 145 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 98 of 176

Net Interest Margin

3.34%

Rank 123 of 176

Efficiency Ratio

55.48%

Rank 64 of 176

Equity / Assets

12.28%

Rank 34 of 176

Non-interest income vs. expense

$2.9M$34.9MINCOMEEXPENSE
Unfavorable gap of $32.0M · efficiency ratio beats 64% of banks $1B-$10B in assets operating regionally
Bank 55.48%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.93%1.26%1.54%Beats 44%98 / 176
Return on Equity9.56%9.26%11.89%14.46%Beats 28%127 / 176
Net Interest Margin3.34%3.25%3.59%3.93%Beats 30%123 / 176
Efficiency Ratio55.48%52.79%59.55%67.66%Beats 64%64 / 176
Asset Quality
Nonperforming Loans / Loans1.47%0.30%0.64%1.32%Beats 18%145 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 92%15 / 176
Capital
Tier 1 Capital Ratio11.91%11.15%12.72%14.15%Beats 40%106 / 176
Total Risk-Based Capital Ratio11.91%11.81%13.63%15.33%Beats 26%130 / 176
Equity / Assets12.28%9.16%10.35%11.80%Beats 81%34 / 176
Liquidity & Funding
Loans / Deposits95.67%80.94%89.73%97.21%72nd pctl49 / 176
Loans / Assets80.03%69.25%75.12%80.82%70th pctl53 / 176
Brokered Deposits / Depositsn/aNot reported for this institution