Legacy Bank & Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 11.2. A current level of 1.3 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Comm re (14%), comm loans (10%), cash (9%), home mtgs (8%), securities (1%), consumer loans (0%), other (58%)
States with Branches:
MO, OK, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Ozarks Heritage Financial Group, Inc.
Investment Rating
--
Address
1500 North Main
Mountain Grove, MO 65711
Mountain Grove, MO 65711
Phone Number
(417) 926-6090
Year Founded
1907
FDIC Number
Largest Affiliates
No affiliate information available.