BlastPoint's Banking Scorecard
Legacy Bank & Trust Company
Designations: ✓ CDFI-certified
Mountain Grove, MO
10 branches across MO · TX · OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits -2.6% year over year ($1.5B on the books).
- Delinquency rate 1.48%.
- Return on assets 1.17%.
- Efficiency ratio 52.47% vs a 59.73% peer average.
- Loan-to-deposit ratio 94.52% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Legacy Bank & Trust Company has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.26% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.7% in tier
- - Margin Compression: Bottom 3.5% in tier
- - Flatlined Growth: Bottom 29.0% in tier
- - Cost Spiral: Bottom 35.5% in tier
- - Deposit Outflow: Bottom 42.0% in tier
- - Non-Interest-Bearing Deposit Share 12.78% below tier average
- - Non-Interest Income / Assets 0.45% below tier average
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-1.4% YoY
+1.0% QoQ
|
-$947.8M |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$1.5B
-6.8% YoY
-2.8% QoQ
|
-$504.0M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$1.5B
-2.6% YoY
+0.2% QoQ
|
-$775.1M |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.17%
-48.6% YoY
-1.1% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.55%
+7.8% YoY
+1.4% QoQ
|
-0.32% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
52.47%
+35.6% YoY
+0.2% QoQ
|
-7.26% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
1.48%
+341.6% QoQ
|
+0.62% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
94.52%
-4.3% YoY
-2.9% QoQ
|
+9.49% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
8.49%
+2.3% YoY
-0.9% QoQ
|
-12.78% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.2% in tier |
| Nonperforming Asset Ratio ? |
1.34%
+235.2% QoQ
|
+0.66% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.9% in tier |
| Tier 1 Capital Ratio ? |
11.91%
-10.3% YoY
+1.6% QoQ
|
-2.94% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.08%
-91.2% YoY
+93.1% QoQ
|
-0.45% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.5%
+0.2pp YoY -0.1pp QoQ |
-12.9pp | 21.4% | 20.9% | 22.2% | 8% |
| Brokered Deposits |
6.8%
-5.1pp YoY -0.2pp QoQ |
-2.7pp | 9.5% | 7.4% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.8%
-0.3pp YoY -0.1pp QoQ |
-2.2pp | 14.0% | 12.3% | 12.5% | 54% |
| CRE |
76.3%
-0.5pp YoY -1.2pp QoQ |
+26.3pp | 50.0% | 36.8% | 41.4% | 94% |
| 1-4 Family |
9.8%
+0.5pp YoY +0.8pp QoQ |
-16.6pp | 26.4% | 31.9% | 31.3% | 16% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.1% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.9%
+0.1pp YoY +0.2pp QoQ |
+0.6pp | 11.3% | 11.6% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 16.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
137
-12 (-8.1%) YoY -1 (-0.7%) QoQ |
-177 | 313 | 162 | 482 | 19% |
| Assets per Employee ($) |
$13.5M
+7.2% YoY +1.7% QoQ |
+$3.0M | $10.5M | $8.0M | $8.8M | 85% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 10 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+1.0pp YoY +0.8pp QoQ |
+1.0pp | 0.2% | 0.3% | 0.4% | 97% |
| Nonaccrual |
0.3%
+0.3pp YoY +0.3pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 35% |
| Allowance Coverage |
0.82x
-91.7% YoY -78.2% QoQ |
-17.89x | 18.71x | 10.47x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
-10.5pp YoY -0.1pp QoQ |
-3.1pp | 12.6% | 14.3% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.8%
-0.4pp YoY +0.1pp QoQ |
+0.9pp | 1.9% | 1.8% | 1.7% | 93% |
| Net Income ($, YTD) |
$10.8M
-49.8% YoY — QoQ |
-$8.4M | $19.2M | $11.3M | $40.4M | 43% |
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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 (0)
Concerns (5)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.