Legacy Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 853.27 percentage points in Q2 2026, from 1120.53% to 267.26%. It was the largest change from Q1 2026 among the key lines here. Legacy Bank & Trust Company ranks 131st of 192 Missouri banks on return on assets, in the lower half at 1.18% (Q2 2026). Legacy Bank & Trust Company reported 1.18% on return on assets for Q2 2026, 0.09 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.91% |
| Equity capital to assets | 12.28% |
| Tangible equity to tangible assets | 11.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.35% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 267.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 9.57% |
| Net interest margin | 3.71% |
| Efficiency ratio | 50.64% |
| Yield on earning assets | 6.63% |
| Cost of funds | 3.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.67% |
| Core deposits to total deposits | 79.77% |
| Brokered deposits to total deposits | 6.78% |
| Deposits to assets | 83.65% |
| Securities to assets | 0.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.97% | 10.97% | 12.22% | 11.10% | 1.11% |
| Q4 2023 | 11.13% | 11.13% | 12.39% | 11.15% | 0.87% |
| Q1 2024 | 11.50% | 11.50% | 12.75% | 11.03% | 0.86% |
| Q2 2024 | 11.21% | 11.21% | 12.46% | 11.06% | 0.16% |
| Q3 2024 | 11.19% | 11.19% | 12.44% | 11.42% | 1.52% |
| Q4 2024 | 11.25% | 11.25% | 12.50% | 11.19% | 1.33% |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 11.75% | 3.51% |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 11.85% | 1.15% |
| Q3 2025 | 13.95% | 13.95% | 15.20% | 12.27% | 1.30% |
| Q4 2025 | — | — | — | 12.76% | 1.16% |
| Q1 2026 | — | — | — | 11.71% | 1.22% |
| Q2 2026 | — | — | — | 11.91% | 1.18% |
Legacy Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)