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Legacy Bank & Trust Company
Mountain Grove, MO · FDIC Certificate #22319 · Chartered 10/1
Total assets
$1.85B
Total deposits
$1.54B
Total equity
$226.61M
Net loans
$1.46B
Branches (offices)
9
Net income (YTD)
$10.83M
Rank: #641 of 4,213 U.S. banks by assets · #21 of 190 in Missouri. Assets changed -1.4% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 9.50% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 12.28% |
| Tier 1 leverage ratio | 11.91% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 1.47% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 89.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.30B | 89.2% | |
| Commercial & industrial | $172.71M | 11.8% | |
| Consumer / individual | $1.67M | 0.1% | |
| Construction & development | $453.62M | 31.1% | |
| Agricultural | $2.71M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $879.01M | $4.51M | $114.45M |
| Jun 2023 | $1.55B | $1.33B | $8.63M | $172.01M |
| Jun 2024 | $1.70B | $1.46B | $4.34M | $190.39M |
| Jun 2025 | $1.87B | $1.58B | $21.57M | $224.52M |
| Jun 2026 | $1.85B | $1.54B | $10.83M | $226.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.18B | 5 |
| Texas | $203.13M | 3 |
| Oklahoma | $158.73M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.54B.
Similar-sized banks
Bank Of Clarke ($1.85B) · North Easton Savings Bank ($1.84B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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