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Letter portraitLegal landscapeQuarterYTD

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