Legacy Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 74.88 percentage points in Q2 2026, from 124.49% to 49.61%. It was the largest change from Q1 2026 among the key lines here. Legacy Bank has the 11th lowest return on assets of the 169 banks headquartered in Oklahoma, at 0.10% as of Q2 2026. Legacy Bank's return on assets of 0.10% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.15 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.83% |
| Tier 1 risk-based capital ratio | 14.83% |
| Total risk-based capital ratio | 16.09% |
| Tier 1 leverage ratio | 8.53% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.22% |
| Non-performing assets ratio | 1.97% |
| Net charge-off ratio | -0.22% |
| Texas ratio | 21.19% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 49.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.10% |
| Return on equity | 1.25% |
| Net interest margin | 4.02% |
| Efficiency ratio | 95.72% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.33% |
| Core deposits to total deposits | 96.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.02% |
| Securities to assets | 30.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.62% | 17.62% | 18.88% | 9.78% | 0.39% |
| Q4 2023 | 17.33% | 17.33% | 18.58% | 9.54% | -1.39% |
| Q1 2024 | 17.33% | 17.33% | 18.59% | 9.86% | 0.87% |
| Q2 2024 | 16.94% | 16.94% | 18.20% | 9.73% | 0.26% |
| Q3 2024 | 16.27% | 16.27% | 17.52% | 9.55% | -0.45% |
| Q4 2024 | 15.93% | 15.93% | 17.19% | 9.36% | -0.27% |
| Q1 2025 | 16.97% | 16.97% | 18.22% | 9.38% | 0.89% |
| Q2 2025 | 16.99% | 16.99% | 18.24% | 9.20% | 0.21% |
| Q3 2025 | 16.68% | 16.68% | 17.94% | 9.19% | 0.49% |
| Q4 2025 | 15.99% | 15.99% | 17.25% | 8.83% | 1.79% |
| Q1 2026 | 15.41% | 15.41% | 16.67% | 8.75% | 0.35% |
| Q2 2026 | 14.83% | 14.83% | 16.09% | 8.53% | 0.10% |
Legacy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)