BanksLEGACY BANK & TRUST COMPANY

LEGACY BANK & TRUST COMPANY

MOUNTAIN GROVE, MOLargeEst. Oct. 17, 1907, midnightFDIC #22319RSSD #397755FED
Latest · 2025-12-31

LEGACY BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in MOUNTAIN GROVE, MO, established in Oct. 17, 1907, midnight. As of 2025-12-31, the bank reported total assets of $1.9B and total deposits of $1.5B. Profitability stands at 1.15% ROA and 9.08% ROE, with a net interest margin of 3.77%. CET1 capital ratio: 12.52%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 1.33%. Operates 9 domestic branches.

Assets
$1.9B
Deposits
$1.5B
Loans
$1.5B
Equity
$236M

Profitability

Return on Assets (ROA)1.15%
Return on Equity (ROE)9.08%
Net Interest Margin3.77%
Yield on Assets6.74%
Cost of Funds3.17%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.00%
Texas Ratio1.33%
NPA Ratio0.18%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio12.52%
Tier 1 Capital12.52%
Total Capital Ratio13.15%
Leverage Ratio12.76%
Loan-to-Deposit98.98%

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