Legacy Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legacy Bank & Trust Company of Mountain Grove, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.46% | -0.28% | 43rd below |
| ROAE | 9.57% | 12.72% | -3.15% | 28th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.85% | -0.14% | 50th above |
| Efficiency Ratio | 50.64% | 57.41% | -6.77% | 75th top |
| PPNR / Avg Assets | 1.52% | 1.88% | -0.36% | 37th below |
| Yield on Earning Assets | 6.63% | 5.72% | +0.91% | 91st top |
| Cost of Funds | 3.04% | 2.02% | +1.02% | 8th bottom |
| Net Interest Spread | 3.32% | 3.18% | +0.14% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.45% | 1.00% | -0.55% | 62nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.76% | -0.23% | 47th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 73rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.31% | -0.11% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 267.26% | 543.55% | -276.29% | 66th above |
| Texas Ratio | 11.35% | 7.39% | +3.96% | 19th bottom |
| Provision / NCO | 1818.18% | 617.59% | +1200.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.91% | 11.44% | +0.47% | 75th top |
| Equity / Assets | 12.28% | 11.33% | +0.95% | 78th top |
| TCE / Tangible Assets | 11.67% | 10.50% | +1.17% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.67% | 86.95% | +8.72% | 28th below |
| Core Deposit Ratio | 79.77% | 85.56% | -5.79% | 20th bottom |
| Uninsured Deposit Ratio | 19.48% | 33.13% | -13.65% | 85th top |
| Wholesale Funding Ratio | 2.79% | 5.71% | -2.92% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.44% | 9.69% | -11.13% | 10th bottom |
| Loan Growth (Y/Y) | -6.73% | 8.07% | -14.80% | 4th bottom |
| Deposit Growth (Y/Y) | -2.58% | 7.88% | -10.46% | 9th bottom |
See Legacy Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legacy Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Legacy Bank & Trust Company profile, how to read a UBPR, or how this data updates.