Legends Bank: how it compares with its peers
Against 69 MO banks with half to twice its assets, Legends Bank's strongest measure in Q2 2026 is net interest margin (5.03% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $6.9M).
| Measure | Legends Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.26% | 1.58% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.03% | 4.15% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.26% | 56.82% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.9M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.14% | 89.15% | Context |
What it means for lending operations
Its efficiency ratio of 41.26% is better than the 56.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Verimore Bank Brookfield, MO · $639M
- Phelps County Bank Rolla, MO · $622M
- First Midwest Bank of Dexter Dexter, MO · $652M
- First State Bank and Trust Company, Inc. Caruthersville, MO · $659M
- Bank of Odessa Odessa, MO · $667M
- The Maries County Bank Vienna, MO · $600M
Questions about Legends Bank
How big is Legends Bank?
Legends Bank, established in 1913, is headquartered in Linn, MO. It reported $636M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Legends Bank's return on assets?
2.26% annualized in Q2 2026, against a 1.58% median for 69 MO banks with half to twice its assets, ahead of 84% of them.
What is Legends Bank's efficiency ratio?
41.26% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 56.82%, and lower is better.
Is Legends Bank growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 6.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.