Legacy Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Legacy Bank & Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Mountain Grove, MO. As of Q2 2026, the bank held approximately $1.8B in total assets and $1.5B in deposits. Profitability tracks the broader industry: ROA 1.18%, ROE 9.57%, NIM 3.71%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.91% exceeds the CBLR threshold. Asset quality is pristine, 0.45% NPLs and a 11.35% Texas Ratio. 10 branches make up the footprint.
As of June 30, 2026, Legacy Bank & Trust Company reported a Tier 1 leverage ratio of 11.91%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.45%, a Texas ratio of 11.35%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1500 N Main St, Mountain Grove, MO 65711
- County
- Wright
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 17, 1907
- Offices
- 10 domestic
- Employees (FTE)
- 137
- Domestic deposits
- $1.54B
- Allowance for credit losses
- $17.8M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $1.81B
- Average total loans
- $1.49B
- Average interest-bearing deposits
- $1.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 17, 1976
- FDIC Cert
- 22319
- Fed RSSD
- 397755
- SEC CIK
- 1702397 → filed by SOUTHERN BANCORP, INC
- Website
- www.legacybankandtrust.com →
- Parent Holding Company
- OZARKS HERITAGE FINANCIAL GROUP, INC (RSSD 3157017)
- Ultimate Parent
- SOUTHERN BANCORP, INC (RSSD 1248939)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Legacy Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Legacy Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.91% | 1.18% | 0.45% | 11.35% | 3.71% |
| Q1 2026 | 11.71% | 1.22% | 0.11% | 3.93% | 3.68% |
| Q4 2025 | 12.76% | 1.16% | 0.13% | 2.00% | 3.75% |
| Q3 2025 | 12.27% | 1.30% | 0.13% | 0.82% | 3.54% |
| Q2 2025 | 11.85% | 1.15% | 0.03% | 0.82% | 3.43% |
| Q1 2025 | 11.75% | 3.51% | 0.08% | 1.19% | 3.37% |
| Q4 2024 | 11.19% | 1.33% | 0.08% | 2.07% | 3.46% |
| Q3 2024 | 11.42% | 1.52% | 0.03% | 1.33% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sunshine Branch | Springfield , MO | 65804 | $673.4M |
| Clinton Branch | Clinton , MO | 64735 | $169.9M |
| Wpx Tulsa Branch | Tulsa , OK | 74103 | $158.7M |
| The Citizens Bank of Sparta Branch | Sparta , MO | 65753 | $132.3M |
| Legacy Bank & Trust Company (main office) | Mountain Grove , MO | 65711 | $115.1M |
| Springfield Branch | Springfield , MO | 65807 | $91.2M |
| Dallas Parkway Branch | Dallas , TX | 75287 | $82.0M |
| Tarrant Pkwy Branch | Fort Worth , TX | 76244 | $72.3M |
| Coit Road Branch | Plano , TX | 75075 | $48.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2018 | Structure Change | Acquired First National Bank of Clinton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2005 | Structure Change | Acquired The Citizens Bank of Sparta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Legacy Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MO, rank 35 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Legacy Bank & Trust Company
What are Legacy Bank & Trust Company's total assets?
As of the Q2 2026 filing, Legacy Bank & Trust Company reported total assets of $1.85 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Legacy Bank & Trust Company headquartered?
Legacy Bank & Trust Company is headquartered in Mountain Grove, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Legacy Bank & Trust Company founded?
Legacy Bank & Trust Company was established in 1907, per the FDIC institution directory.
Is Legacy Bank & Trust Company FDIC-insured?
Yes. Legacy Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #22319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legacy Bank & Trust Company?
Legacy Bank & Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Legacy Bank & Trust Company operate?
Legacy Bank & Trust Company operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legacy Bank & Trust Company's Texas Ratio?
Legacy Bank & Trust Company's Texas Ratio is 11.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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