Bank Comparison
Legacy Trust Company, N.A. vs Five Rivers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 4
winning metrics across 12 comparable rows
Capital adequacy
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| CET1 Ratio | 289.52% | — |
| Tier 1 Capital Ratio | 289.52% | — |
| Total Capital Ratio | 289.52% | — |
| Tier 1 Leverage Ratio | 84.39% | 79.89% |
| Equity / Assets | 86.75% | 75.14% |
Profitability
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| Return on Assets (ROA) | 11.23% | -10.16% |
| Return on Equity (ROE) | 13.44% | -12.52% |
| Net Interest Margin (NIM) | 3.37% | 3.27% |
| Yield on Earning Assets | 3.37% | 3.83% |
| Cost of Funds | — | 2.76% |
Asset quality
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | 0.00% |
| ACL / Loans | — | 1.15% |
Balance sheet
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| Total Assets | $37,878K | $37,929K |
| Total Deposits | $0 | $8,568K |
| Total Loans | $0 | $3,222K |
| Total Equity | $32,858K | $28,498K |
| Net Income (quarter) | $1,087K | $-906 |
Liquidity & funding
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | — | 37.61% |
| Core Deposit Ratio | — | 57.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Legacy Trust Company, N.A. | Five Rivers Bank |
|---|---|---|
| Headquarters City | HOUSTON | PARAMUS |
| Headquarters State | TX | NJ |
| Asset Tier | Micro | Micro |
| Charter Class | — | 0 |
| Regulator | — | FDIC |
| Domestic Branches | — | 1 |
| Employees (FTE) | 39 | 15 |
| Established | — | May 12, 2025, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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