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
Unfavorable gap of $32.0M · efficiency ratio beats 64% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.93% | 1.26% | 1.54% | Beats 44% | 98 / 176 | | |
| Return on Equity | 9.56% | 9.26% | 11.89% | 14.46% | Beats 28% | 127 / 176 | | |
| Net Interest Margin | 3.34% | 3.25% | 3.59% | 3.93% | Beats 30% | 123 / 176 | | |
| Efficiency Ratio | 55.48% | 52.79% | 59.55% | 67.66% | Beats 64% | 64 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.30% | 0.64% | 1.32% | Beats 18% | 145 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 92% | 15 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 11.15% | 12.72% | 14.15% | Beats 40% | 106 / 176 | | |
| Total Risk-Based Capital Ratio | 11.91% | 11.81% | 13.63% | 15.33% | Beats 26% | 130 / 176 | | |
| Equity / Assets | 12.28% | 9.16% | 10.35% | 11.80% | Beats 81% | 34 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.67% | 80.94% | 89.73% | 97.21% | 72nd pctl | 49 / 176 | | |
| Loans / Assets | 80.03% | 69.25% | 75.12% | 80.82% | 70th pctl | 53 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |