Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 11 Oct 2016 |
| RSSD ID | 397755 |
| Address | 1500 N Main St, Mountain Grove, MO 65711 Directions (Google Maps) |
| Website | www.legacybankandtrust.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.legacybankandtrust.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$38.5 million in 13 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (Bank Enterprise Award Program; CDFI Rapid Response Program; Capital Magnet Fund).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Capital Magnet Fund | $9,000,000 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2023 | Capital Magnet Fund | $12,000,000 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Capital Magnet Fund | $6,000,000 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Capital Magnet Fund | $5,625,000 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $124,686 |
| 2017 | Capital Magnet Fund | $2,400,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Legacy Bank & Trust Company (FDIC cert 22319). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.8 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 10 in 3 states (as of 30 Oct 2026) |
Offices by state and county (10)
Missouri (5 offices)
- Christian County (1): 7164 State Highway 14 E, Sparta 65753
- Greene County (2): 3250 E Sunshine St, Springfield 65804; 4108 S National Ave, Springfield 65807
- Henry County (1): 107 S 2nd St, Clinton 64735
- Wright County (1): 1500 N Main St, Mountain Grove 65711 (main office)
Oklahoma (2 offices)
- Tulsa County (2): 222 N. Detroit Avenue, Tulsa 74103; 5705 E 71st St, Tulsa 74136
Texas (3 offices)
- Collin County (2): 17561 Dallas Pkwy, Dallas 75287; 437 Coit Road, Plano 75075
- Tarrant County (1): 5721 N Tarrant Pkwy, Fort Worth 76244
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Legacy Bank & Trust Company (RSSD 397755, FDIC cert 22319). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.48 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 6.7% from $1.58 billion on 30 Jun 2025 |
| Total assets | $1.85 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $134.3 million | 9.1% |
| Home equity lines of credit | $9.3 million | 0.6% |
| Commercial real estate, construction and multifamily | $1.11 billion | 75.3% |
| Commercial and industrial (business) loans | $172.7 million | 11.7% |
| Farmland and farm production loans | $46.8 million | 3.2% |
| Consumer loans (credit cards, auto, other) | $1.7 million | 0.1% |
Within consumer loans: auto loans $411,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 20 loans $958,000 | 82 loans $2.3 million |
| $100,001 to $250,000 | 43 loans $5.5 million | 40 loans $3.5 million |
| $250,001 to $1 million | 86 loans $36.1 million | 79 loans $21.2 million |
| All small business loans | 149 loans $42.5 million | 201 loans $27 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 45 loans $1.8 million | 63 loans $1.4 million |
| $100,001 to $250,000 | 53 loans $6.8 million | 12 loans $1.1 million |
| $250,001 to $500,000 | 25 loans $6.8 million | 1 loan $184,000 |
| All small farm loans | 123 loans $15.4 million | 76 loans $2.7 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Legacy Bank & Trust Company reported 82 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $50.8M (median loan about $195,000). 56 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 56 | 68% |
| Refinance (incl. cash-out) | 22 | 27% |
| Home improvement | 3 | 3.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 82 | 100% |
Included above: 18 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 33 counties with at least one; 78% of its 2025 loans were for properties in Missouri:
- Greene County, MO (27)
- Wright County, MO (11)
- Henry County, MO (6)
- Christian County, MO (5)
- Webster County, MO (3)
Filed under LEI 549300RDN1T32WR2WF91 as “LEGACY BANK & TRUST”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $233,750 (104 loans) | All 7(a) lenders in Missouri: $225,000. Larger than the median loan of 66% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 12 → 4 | Rank among the 4 certified CDFIs in Missouri with SBA approvals in either period: 1 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $1.85 billion | Larger than 100% of the 10 other certified banks and bank holding companies in Missouri (median $410.2 million). |
| Loans as a share of assets | 80% | Median of the same 10 banks and bank holding companies: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.58 billion → $1.48 billion (-7%) | Median change of 10 other certified banks and bank holding companies in Missouri: +10%. Rank by loans held among these 11: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 82 | More than 39% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 66% |
| SBA approvals then vs now | certified CDFIs in Missouri with SBA approvals FY2023–2026 | 3 | rank 1 → 2 of 4 |
| Call Report total assets | other certified banks and bank holding companies in Missouri | 10 | larger than 100% |
| Loans held then vs now | certified banks and bank holding companies in Missouri reporting both dates | 10 | rank 1 → 1 of 11 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 39% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 108 SBA-backed approvals for Legacy Bank & Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 104 7(a) loans as the lender: $43.9M in total (gross amount approved), median $233,750
- 4 504 projects as the third-party (first-lien) lender: $4.6M in total (its own third-party loan amount), median $732,750
By fiscal year: FY2020 34 · FY2021 31 · FY2022 27 · FY2023 10 · FY2024 2 · FY2025 1 · FY2026 3.
What actually happened
- Size of its 7(a) loans: half were between $125,000 and $485,875, median $233,750 (104 loans)
- Term of its 7(a) loans: median 120 months (10 years) (104 loans)
- Fixed or variable: 10% of its 7(a) loans had a fixed rate (104 loans)
- Young businesses: 57% of its 7(a) loans went to a startup or a business two years old or less (99 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (89, 82%)
- 7(a) SBA Express (15, 14%)
- 504 projects (as the third-party lender) (4, 4%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (21)
- Other services (except public administration) (20)
- Construction (16)
- Accommodation and food services (14)
- Transportation and warehousing (8)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Greene County, MO (43)
- Christian County, MO (11)
- Webster County, MO (7)
- Laclede County, MO (5)
- Wright County, MO (5)
- Lawrence County, MO (4)
- Clay County, MO (4)
- Texas County, MO (4)
- Stone County, MO (3)
- Washington County, GA (3)
How this lender was matched in the SBA files: FDIC cert 22319, found through the RSSD ID on the CDFI Fund list (SBA lists “Legacy Bank & Trust Company”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Legacy Bank & Trust Company”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Legacy Bank & Trust Company may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Mountain Grove and Missouri
- Ozarks Heritage Financial GroupBank holding company · Mountain Grove, MOOfficial list only
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at Legacy Bank & Trust Company? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.