Legacy Bank & Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.27 percentage points lower than in Q1 2026, at 110.54%. Within Missouri, Legacy Bank & Trust Company is 41st of 192 on loan-to-deposit ratio, 95.67% as of Q2 2026, above the middle of the field. Legacy Bank & Trust Company reported 95.67% on loan-to-deposit ratio for Q2 2026, 7.47 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $283.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $284.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $51.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.67% |
| Net loans and leases to deposits | 94.52% |
| Loans and leases to core deposits | 110.54% |
| Core deposits to total deposits | 79.77% |
| Brokered deposits to total deposits | 6.78% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 97.67% | 43.51% | $0 | $27.6M |
| Q4 2023 | 99.23% | 47.05% | $0 | $27.6M |
| Q1 2024 | 96.48% | 70.07% | $0 | $30.6M |
| Q2 2024 | 101.38% | 71.13% | $0 | $30.6M |
| Q3 2024 | 102.99% | 71.83% | $0 | $40.5M |
| Q4 2024 | 100.68% | 74.25% | $0 | $48.5M |
| Q1 2025 | 100.47% | 75.15% | $0 | $48.5M |
| Q2 2025 | 99.93% | 75.16% | $0 | $48.5M |
| Q3 2025 | 101.14% | 76.91% | $0 | $63.5M |
| Q4 2025 | 98.98% | 79.17% | $0 | $63.5M |
| Q1 2026 | 98.63% | 79.72% | $0 | $51.5M |
| Q2 2026 | 95.67% | 79.77% | $0 | $51.5M |
Legacy Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank & Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Legacy Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22319) · FFIEC NIC profile (RSSD 397755)