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Legacy Bank & Trust Company

$1B-$10B Specialty: Commercial MO FDIC cert 22319

Designations: ✓ CDFI-certified

Mountain Grove, MO

9 branches across MO · TX · OK

884 banks in the $1B-$10B peer group nationally 29 in MO
View $1B-$10B leaderboard (MO) →

Legacy Bank & Trust Company has 2 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 8.72% below tier average
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 1.2% in tier
  • - Liquidity Strain: Bottom 1.5% in tier
  • - Deposit Outflow: Bottom 34.6% in tier
  • - Cost Spiral: Bottom 35.5% in tier
  • - Capital Constraint: Bottom 37.8% in tier
  • - Non-Interest-Bearing Deposit Share 12.72% below tier average
  • - Non-Interest Income / Assets 0.22% below tier average
  • - Net Interest Margin 0.32% below tier average
Get updates when Legacy Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $1.8B
-4.6% YoY -1.8% QoQ
-$988.3M $2.8B
-0.1% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
45%
Total Loans ? $1.5B
-7.4% YoY -0.7% QoQ
-$463.8M $2.0B
+0.6% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $1.5B
-5.6% YoY -0.3% QoQ
-$802.2M $2.3B
-0.3% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
46%
Return on Assets ? 1.19%
-65.2% YoY -32.5% QoQ
-0.18% 1.37%
+19.6% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.50%
+8.2% YoY +2.1% QoQ
-0.32% 3.82%
+6.9% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 52.34%
+75.7% YoY +7.7% QoQ
-8.72% 61.06%
-4.6% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
71%
Delinquency Rate ? 0.34%
+102.0% YoY
-0.55% 0.89%
+14.1% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
66%
Loan-to-Deposit Ratio ? 97.39%
-2.0% YoY -0.4% QoQ
+13.19% 84.20%
+0.3% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
19%
Non-Interest-Bearing Deposit Share ? 8.57%
+19.1% YoY -27.8% QoQ
-12.72% 21.29%
-2.5% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
Bottom 8.9% in tier
Nonperforming Asset Ratio ? 0.40%
+183.5% YoY +119.6% QoQ
-0.27% 0.67%
+15.6% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
53%
Tier 1 Capital Ratio ? 11.71%
-4.9% YoY -8.2% QoQ
-3.45% 15.16%
+2.0% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.04%
-95.1% YoY -95.9% QoQ
-0.22% 0.26%
+1.6% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
Bottom 6.8% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Margin Compression

decline
#2 of 84 • Bottom 1.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.19%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
84 of 84 Mid-Market banks match · 407 nationally
↑ Growing +94 banks QoQ

Liquidity Strain

risk
#6 of 334 • Bottom 1.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.39%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#46 of 130 • Bottom 34.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#12 of 31 • Bottom 35.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 52.34%
(Tier: 61.06%, National: 66.95%)
better than tier avg
31 of 31 Mid-Market banks match · 176 nationally
↑ Growing +82 banks QoQ

Capital Constraint

risk
#15 of 37 • Bottom 37.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 97.39%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 11.71%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
37 of 37 Mid-Market banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

825
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.26%
#825 of 884 Bottom 6.8% in $1B-$10B
806
Non-Interest-Bearing Deposit Share
funding
Value: 8.57%
Peer Median: 21.29%
#806 of 884 Bottom 8.9% in $1B-$10B
715
Loan-to-Deposit Ratio
liquidity
Value: 97.39%
Peer Median: 84.20%
#715 of 884 Bottom 19.2% in $1B-$10B
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