Legacy Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.7% from Q1 2026 to Q2 2026, ending at $394.7M against $380.7M. It was the largest change among the key lines on this page. Within Oklahoma, Legacy Bank is 33rd of 71 on CET1 ratio, 14.83% as of Q2 2026, above the middle of the field. At 14.83%, Legacy Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.83% |
| Tier 1 risk-based capital ratio | 14.83% |
| Total risk-based capital ratio | 16.09% |
| Tier 1 leverage ratio | 8.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $58.5M |
| Tier 1 capital | $58.5M |
| Total risk-based capital | $63.5M |
| Total equity capital | $57.2M |
| Risk-weighted assets | $394.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 8.33% |
| Internal capital growth rate | -0.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $29.7M |
| Retained earnings | $28.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.62% | 17.62% | 18.88% | 9.78% | $334.2M |
| Q4 2023 | 17.33% | 17.33% | 18.58% | 9.54% | $327.9M |
| Q1 2024 | 17.33% | 17.33% | 18.59% | 9.86% | $335.3M |
| Q2 2024 | 16.94% | 16.94% | 18.20% | 9.73% | $341.8M |
| Q3 2024 | 16.27% | 16.27% | 17.52% | 9.55% | $350.7M |
| Q4 2024 | 15.93% | 15.93% | 17.19% | 9.36% | $355.5M |
| Q1 2025 | 16.97% | 16.97% | 18.22% | 9.38% | $341.9M |
| Q2 2025 | 16.99% | 16.99% | 18.24% | 9.20% | $343.4M |
| Q3 2025 | 16.68% | 16.68% | 17.94% | 9.19% | $354.4M |
| Q4 2025 | 15.99% | 15.99% | 17.25% | 8.83% | $363.1M |
| Q1 2026 | 15.41% | 15.41% | 16.67% | 8.75% | $380.7M |
| Q2 2026 | 14.83% | 14.83% | 16.09% | 8.53% | $394.7M |
Legacy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4042) · FFIEC NIC profile (RSSD 320052)