Legacy Bank & Trust Company: 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%.
Retained earnings climbed 97.8% in Q2 2026, from $5.5M to $10.8M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.91% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $214.0M |
| Tier 1 capital | $214.0M |
| Total risk-based capital | — |
| Total equity capital | $226.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.28% |
| Tangible equity to tangible assets | 11.67% |
| Equity capital to average assets | 12.52% |
| Internal capital growth rate | 9.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $215.5M |
| Retained earnings | $10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| 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 | 10.97% | 10.97% | 12.22% | 11.10% | $1.58B |
| Q4 2023 | 11.13% | 11.13% | 12.39% | 11.15% | $1.64B |
| Q1 2024 | 11.50% | 11.50% | 12.75% | 11.03% | $1.62B |
| Q2 2024 | 11.21% | 11.21% | 12.46% | 11.06% | $1.67B |
| Q3 2024 | 11.19% | 11.19% | 12.44% | 11.42% | $1.73B |
| Q4 2024 | 11.25% | 11.25% | 12.50% | 11.19% | $1.78B |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 11.75% | $1.75B |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 11.85% | $1.67B |
| Q3 2025 | 13.95% | 13.95% | 15.20% | 12.27% | $1.63B |
| Q4 2025 | — | — | — | 12.76% | — |
| Q1 2026 | — | — | — | 11.71% | — |
| Q2 2026 | — | — | — | 11.91% | — |
Legacy Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22319) · FFIEC NIC profile (RSSD 397755)