Legacy Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 31.24 percentage points in Q2 2026, from 480.45% to 449.21%. It was the largest change from Q1 2026 among the key lines here. Legacy Bank & Trust Company ranks 41st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 95.67% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.48B |
| Net loans and leases | $1.46B |
| Loans held for sale | $0 |
| Loans to total assets | 80.03% |
| Loan-to-deposit ratio | 95.67% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.79% |
| Multifamily (5+ residential) | 30.86% |
| Commercial and industrial | 11.68% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 2.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 449.21% |
| Construction concentration (Tier 1 capital + allowance) | 195.73% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.93% |
| Interest income on loans | $25.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.37B | $1.41B | 17.34% | 10.24% | 0.26% |
| Q4 2023 | $1.42B | $1.43B | 17.79% | 10.36% | 0.25% |
| Q1 2024 | $1.41B | $1.46B | 17.63% | 10.26% | 0.24% |
| Q2 2024 | $1.48B | $1.46B | 18.72% | 10.70% | 0.22% |
| Q3 2024 | $1.55B | $1.50B | 17.89% | 11.50% | 0.20% |
| Q4 2024 | $1.61B | $1.60B | 16.21% | 11.38% | 0.23% |
| Q1 2025 | $1.64B | $1.63B | 15.73% | 11.75% | 0.20% |
| Q2 2025 | $1.58B | $1.58B | 15.61% | 11.93% | 0.21% |
| Q3 2025 | $1.54B | $1.53B | 14.07% | 11.31% | 0.20% |
| Q4 2025 | $1.53B | $1.55B | 13.90% | 12.19% | 0.14% |
| Q1 2026 | $1.52B | $1.54B | 13.65% | 11.75% | 0.12% |
| Q2 2026 | $1.48B | $1.54B | 13.79% | 11.68% | 0.11% |
Legacy Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)