BlastPoint's Banking Scorecard
Legacy Bank & Trust Company
Community
Specialty: Commercial
MO
FDIC cert 22319
Mountain Grove, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Legacy Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8% in Community
- + Revenue Diversifier: Top 43% in Community
- + Delinquency Rate 0.61% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5% in Community
- - Capital Thin: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
-0.9% YoY
+1.4% QoQ
|
+$469.8M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.5B
-5.3% YoY
-0.9% QoQ
|
+$535.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.5B
-3.7% YoY
+1.3% QoQ
|
+$380.6M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.76%
+83.7% YoY
-10.5% QoQ
|
+0.59% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.43%
+16.8% YoY
+1.9% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
48.62%
-17.9% YoY
+15.1% QoQ
|
-14.01% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.02%
-86.3% YoY
-1.6% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
97.81%
-1.7% YoY
-2.1% QoQ
|
+14.74% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
11.86%
+53.4% YoY
+35.0% QoQ
|
-9.19% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-22.9% YoY
+829.3% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.99%
+25.9% YoY
+4.3% QoQ
|
+0.25% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#30 of 371 · Top 8% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#161 of 371 · Top 43% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.99%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
Liquidity Strain
risk
#25 of 513 · Bottom 5% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.81%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#48 of 432 · Bottom 11% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
86
86th pctile
Efficiency Ratio
Current: 48.62% · Tier avg: 62.63%
86
86th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.81% · Tier avg: 83.06%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.86% · Tier avg: 21.05%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.86% · Tier avg: 21.05%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.81% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
86
86th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
86
86th pctile
Efficiency Ratio
Current: 48.62% · Tier avg: 62.63%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%