Legacy Bank&Trust Co (FDIC #22319): Bank Stress & Real-Estate Credit Exposure
Legacy Bank&Trust Co (FDIC Cert #22319): bank stress 59/100, moderate, STABLE over 7 days; parent CENTURY BANCSHARES INC.
Legacy Bank&Trust Co (#22319) lends in 7 counties across 3 states; Legacy Bank&Trust Co (#22319) reaches 220 ZIP codes: Missouri 4 counties, 61 ZIPs; Texas 2 counties, 116 ZIPs; Oklahoma 1 county, 43 ZIPs.
Legacy Bank&Trust Co (#22319) largest markets: Tarrant County, TX (76 branches, 76 ZIPs) (#22319), Tulsa County, OK (43 branches, 43 ZIPs) (#22319), Collin County, TX (80 branches, 40 ZIPs) (#22319), Greene County, MO (46 branches, 23 ZIPs) (#22319), Christian County, MO (21 branches, 21 ZIPs) (#22319), Wright County, MO (11 branches, 11 ZIPs) (#22319).
Legacy Bank&Trust Co (#22319) reports $1.85 billion in total assets; Legacy Bank&Trust Co (#22319) equity $226.6 million (12.3% of Legacy Bank&Trust Co (#22319) assets); Legacy Bank&Trust Co (#22319) domestic deposits $1.54 billion; Legacy Bank&Trust Co (#22319) net income $10.8 million; Legacy Bank&Trust Co (#22319) return on assets 1.17%; Legacy Bank&Trust Co (#22319) return on equity 9.50%; Legacy Bank&Trust Co (#22319) net interest income $30.0 million; Legacy Bank&Trust Co (#22319) call report June 30, 2026.
Legacy Bank&Trust Co (#22319) noncurrent real-estate loans: none reported; Legacy Bank&Trust Co (#22319) net charge-offs on real estate 1.66%; Legacy Bank&Trust Co (#22319) multifamily charge-offs 3.64%; Legacy Bank&Trust Co (#22319) residential charge-offs 2.44%.
Legacy Bank&Trust Co (#22319) net interest margin 3.55% against an eight-quarter Legacy Bank&Trust Co (#22319) average of 3.26% (Legacy Bank&Trust Co (#22319) compression -0.29 points); Legacy Bank&Trust Co (#22319) non-residential real estate 243.9% of equity; Legacy Bank&Trust Co (#22319) rate-exposure score 40/100, Legacy Bank&Trust Co (#22319) fixed-rate trap 40/100; Legacy Bank&Trust Co (#22319) risk type credit driven; Legacy Bank&Trust Co (#22319) rate regime rates elevated, Legacy Bank&Trust Co (#22319) snapshot October 20, 2026.
Legacy Bank&Trust Co (#22319) stress score moved from 57.8 on June 22, 2026 to 59 on October 20, 2026; Legacy Bank&Trust Co (#22319) ranged 57.8 to 59 over 117 snapshots.
Legacy Bank&Trust Co (#22319) alerts: 7 counties; top Legacy Bank&Trust Co (#22319) alert scores: Clinton County, MO 42 (moderate); Keller County, MO 20 (low); Mountain Grove County, MO 20 (low); Plano County, MO 20 (low); Sparta County, MO 20 (low).