Legacy Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged up 0.18 percentage points between Q1 2026 and Q2 2026, to 3.32%. Within Missouri, Legacy Bank & Trust Company is 136th of 192 on net interest margin, 3.71% as of Q2 2026, below the middle of the field. At 3.71%, Legacy Bank & Trust Company's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.63% |
| Yield on loans | 6.93% |
| Yield on securities | 3.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.04% |
| Cost of interest-bearing deposits | 3.29% |
| Cost of interest-bearing liabilities | 3.31% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $25.3M |
| Total interest expense | $12.1M |
| Interest expense on deposits | $11.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.06% | 3.48% | 2.92% | 6.17% | 4.06% |
| Q4 2023 | 6.13% | 3.89% | 2.71% | 6.25% | 4.02% |
| Q1 2024 | 6.19% | 3.92% | 2.65% | 6.36% | 4.02% |
| Q2 2024 | 6.39% | 3.90% | 2.80% | 6.56% | 4.11% |
| Q3 2024 | 6.65% | 3.79% | 3.14% | 6.77% | 3.98% |
| Q4 2024 | 6.80% | 3.62% | 3.46% | 6.97% | 4.03% |
| Q1 2025 | 6.61% | 3.51% | 3.37% | 6.84% | 4.30% |
| Q2 2025 | 6.65% | 3.51% | 3.43% | 6.86% | 3.45% |
| Q3 2025 | 6.65% | 3.32% | 3.54% | 7.01% | 4.08% |
| Q4 2025 | 6.61% | 2.91% | 3.75% | 6.97% | 3.73% |
| Q1 2026 | 6.46% | 3.00% | 3.68% | 6.81% | 3.75% |
| Q2 2026 | 6.63% | 3.04% | 3.71% | 6.93% | 3.76% |
Legacy Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)