Bank Comparison
Southwest Missouri Bank vs Legacy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| CET1 Ratio | 15.14% | 9.80% |
| Tier 1 Capital Ratio | 15.14% | 9.80% |
| Total Capital Ratio | 16.21% | 11.05% |
| Tier 1 Leverage Ratio | 8.58% | 8.94% |
| Equity / Assets | 6.68% | 9.06% |
Profitability
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.32% |
| Return on Equity (ROE) | 14.61% | 14.57% |
| Net Interest Margin (NIM) | 3.74% | 4.26% |
| Yield on Earning Assets | 5.12% | 6.38% |
| Cost of Funds | 1.45% | 2.20% |
Asset quality
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| Texas Ratio | 2.70% | 5.91% |
| Non-Performing Loan Ratio | 0.35% | 0.61% |
| Non-Performing Asset Ratio | 0.18% | 0.53% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.09% | 1.31% |
Balance sheet
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| Total Assets | $1,220M | $1,221M |
| Total Deposits | $1,055M | $1,100M |
| Total Loans | $631,230K | $1,075M |
| Total Equity | $81,558K | $110,673K |
| Net Income (quarter) | $3,012K | $3,973K |
Liquidity & funding
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 59.81% | 97.68% |
| Core Deposit Ratio | 93.75% | 83.68% |
| Uninsured Deposit Ratio | 31.19% | 53.98% |
Identity
| Metric | Southwest Missouri Bank | Legacy Bank |
|---|---|---|
| Headquarters City | CARTHAGE | SPRINGDALE |
| Headquarters State | MO | AR |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 24573 |
| Regulator | FDIC | OCC |
| Domestic Branches | 11 | 10 |
| Employees (FTE) | 211 | 150 |
| Established | June 11, 1979, midnight | March 28, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Southwest Missouri Bank profile | View full Legacy Bank profile | Browse all bank comparisons