Legacy Bank & Trust Company: how it compares with its peers
Against 29 MO banks with half to twice its assets, Legacy Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($13.5M vs. a $8.3M peer median). Its weakest relative measure is net interest margin (3.55% vs. 3.91%).
| Measure | Legacy Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.34% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.91% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.47% | 58.57% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.5M | $8.3M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.52% | 91.77% | Context |
What it means for lending operations
Its efficiency ratio of 52.47% is better than the 58.57% 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
- BTC Bank Bethany, MO · $1.91B
- Hawthorn Bank Jefferson City, MO · $1.76B
- The Nodaway Valley Bank Maryville, MO · $1.62B
- Sterling Bank Poplar Bluff, MO · $1.56B
- SULLIVAN BANK Sullivan, MO · $1.40B
- First Bank of the Lake Osage Beach, MO · $2.34B
Questions about Legacy Bank & Trust Company
How big is Legacy Bank & Trust Company?
Legacy Bank & Trust Company, established in 1907, is headquartered in Mountain Grove, MO. It reported $1.85B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Legacy Bank & Trust Company's return on assets?
1.17% annualized in Q2 2026, against a 1.34% median for 29 MO banks with half to twice its assets, ahead of 41% of them.
What is Legacy Bank & Trust Company's efficiency ratio?
52.47% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is Legacy Bank & Trust Company growing its loans?
Net loans shrank 6.8% over the year to Q2 2026, while deposits shrank 2.6%.
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.