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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Total equity capital, which rose 3.9% to $86.0M. Within Kansas, Legacy Bank is 76th of 86 on CET1 ratio, 11.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Legacy Bank sits 3.78 points lower, at 11.30% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.30% |
| Tier 1 risk-based capital ratio | 11.30% |
| Total risk-based capital ratio | 12.49% |
| Tier 1 leverage ratio | 10.55% |
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 | $91.3M |
| Tier 1 capital | $91.3M |
| Total risk-based capital | $100.9M |
| Total equity capital | $86.0M |
| Risk-weighted assets | $807.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.94% |
| Tangible equity to tangible assets | 9.89% |
| Equity capital to average assets | 9.94% |
| Internal capital growth rate | 12.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $17.8M |
| Retained earnings | $72.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 11.63% | 11.63% | 12.75% | 10.43% | $602.9M |
| Q4 2023 | 11.39% | 11.39% | 12.52% | 10.23% | $629.7M |
| Q1 2024 | 11.31% | 11.31% | 12.46% | 10.15% | $649.1M |
| Q2 2024 | 11.14% | 11.14% | 12.32% | 9.90% | $657.8M |
| Q3 2024 | 11.11% | 11.11% | 12.28% | 9.82% | $672.6M |
| Q4 2024 | 11.21% | 11.21% | 12.36% | 10.08% | $689.9M |
| Q1 2025 | 11.25% | 11.25% | 12.40% | 10.01% | $706.6M |
| Q2 2025 | 11.44% | 11.44% | 12.61% | 10.11% | $715.5M |
| Q3 2025 | 11.39% | 11.39% | 12.57% | 9.95% | $735.1M |
| Q4 2025 | 11.43% | 11.43% | 12.61% | 10.16% | $756.2M |
| Q1 2026 | 11.11% | 11.11% | 12.28% | 10.41% | $797.0M |
| Q2 2026 | 11.30% | 11.30% | 12.49% | 10.55% | $807.7M |
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 17676) · FFIEC NIC profile (RSSD 785950)