TellerScore

Headquartered in Mountain Grove, Missouri, Legacy Bank & Trust Company is a state-chartered bank (fed member) with $1.8B in total assets and $1.5B in deposits as of Q2 2026. It operates 10 offices across 3 states. Its charter dates back to 1907.

Legacy Bank & Trust Company has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 146th. Problem-loan coverage contributes the most (80/100, 10.1%); loan quality contributes the least (51/100, 1.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.91%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.47%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 19.5% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 19 points (83 → 64), mostly because the loan quality component weakened by 45 points.

TellerScore
647585Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202472
Q1 202582
Q2 202583
Q3 202585
Q4 202584
Q1 202674
Q2 202664
Tier 1 leverage ratio
5.00%8.88%12.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.06%
Q3 202411.42%
Q4 202411.19%
Q1 202511.75%
Q2 202511.85%
Q3 202512.27%
Q4 202512.76%
Q1 202611.71%
Q2 202611.91%
Noncurrent loans
0.01%0.74%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.03%
Q4 20240.17%
Q1 20250.16%
Q2 20250.12%
Q3 20250.02%
Q4 20250.02%
Q1 20260.33%
Q2 20261.47%
Return on assets
0.51%1.96%3.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.84%
Q4 20240.96%
Q1 20253.41%
Q2 20252.28%
Q3 20251.96%
Q4 20251.76%
Q1 20261.19%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.8B11.91%1.47%1.17%94.5%
Q1 202674$1.8B11.71%0.33%1.19%97.4%
Q4 202584$1.9B12.76%0.02%1.76%97.8%
Q3 202585$1.8B12.27%0.02%1.96%99.9%
Q2 202583$1.9B11.85%0.12%2.28%98.8%
Q1 202582$1.9B11.75%0.16%3.41%99.3%
Q4 202472$1.9B11.19%0.17%0.96%99.5%
Q3 202472$1.8B11.42%0.03%0.84%101.7%
Q2 202469$1.7B11.06%0.01%0.51%100.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.91%
75th
Total risk-based capital0.00%
13th
Problem loans1.47%
16th
Net charge-offs0.00%
76th
Return on assets1.17%
44th
Net interest margin3.55%
40th
Efficiency ratio52.5%
70th
Loans to deposits94.5%
27th
Uninsured deposits19.5%
84th
Loan-loss reserves1.20%
59th
Texas ratio10.1%
17th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
BTC BankBank Bethany, MO60 out of 100, Moderate$1.9B9.4%0.72%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Sullivan BankBank Sullivan, MO52 out of 100, Below average$1.4B8.8%1.45%vs
First Bank of the LakeBank Osage Beach, MO26 out of 100, Low$2.3B7.1%3.70%vs

Deposit insurance

Is my money safe at Legacy Bank & Trust Company?

Yes. Legacy Bank & Trust Company is an FDIC-insured institution (FDIC certificate #22319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($300.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Legacy Bank & Trust Company lists 10 offices in 8 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Legacy Bank & Trust Company
Former names
Bank of Plato
Type
State-chartered bank (Fed member)
FDIC certificate #
22319
RSSD ID
397755
Primary regulator
FED
Holding company
Southern Bcorp Inc
Established
October 17, 1907
Headquarters
1500 N Main St, Mountain Grove, MO 65711
Employees
137

Quick answers

Legacy Bank & Trust Company: common questions

Is Legacy Bank & Trust Company FDIC insured?

Yes. Legacy Bank & Trust Company is an FDIC-insured institution (FDIC certificate #22319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Legacy Bank & Trust Company's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Legacy Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #22319 in the FDIC failed bank list.

How many branches does Legacy Bank & Trust Company have?

10 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Mountain Grove

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
The Bank of HoustonBank Houston, MO82 out of 100, Strong$67.4M14.1%0.16%vs
Progressive Ozark BankBank Salem, MO77 out of 100, Strong$190.9M9.8%0.03%vs
Community First Banking CompanyBank West Plains, MO75 out of 100, Strong$307.3M10.3%0.00%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs