Legacy Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.91% +2.91 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $214.0M | 213,972 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.80B | 1,797,202 | RCOAA224 |
| Recomputed ratio | 11.91% | numerator / denominator | |
| Filed ratio | 11.91% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.91 pp | $52.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 215,792 | 215,792 | 131,245 | 131,245 | 131,245 | 131,245 | RCOAP742 |
| Retained earnings | 10,829 | 5,474 | 104,691 | 99,398 | 93,346 | 87,959 | RCOAKW00 |
| Accumulated other comprehensive income | (8) | (5) | (45) | (61) | (71) | (72) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 226,613 | 221,261 | 235,891 | 230,582 | 224,520 | 219,132 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (12,641) | (13,119) | (3,176) | (3,160) | (3,150) | (3,149) | P859 - P840 |
| Common equity Tier 1 capital | 213,972 | 208,142 | 232,715 | 227,422 | 221,370 | 215,983 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 213,972 | 208,142 | 232,715 | 227,422 | 221,370 | 215,983 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | 20,410 | 20,862 | 21,922 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | 20,410 | 20,862 | 21,922 | |
| Total capital | NA | NA | NA | 247,832 | 242,232 | 237,905 | |
| Total risk-weighted assets | NA | NA | NA | 1,630,816 | 1,667,429 | 1,753,250 | |
| Average total assets for the leverage ratio | 1,797,202 | 1,776,789 | 1,823,529 | 1,853,323 | 1,868,672 | 1,838,655 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.91% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 11.71% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 12.76% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.95% | 13.95% | 15.20% | 12.27% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 13.28% | 13.28% | 14.53% | 11.85% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.32% | 12.32% | 13.57% | 11.75% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.25% | 11.25% | 12.50% | 11.19% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 11.19% | 11.19% | 12.44% | 11.42% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.21% | 11.21% | 12.46% | 11.06% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.50% | 11.50% | 12.75% | 11.03% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.13% | 11.13% | 12.39% | 11.15% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 10.97% | 10.97% | 12.22% | 11.10% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Legacy Bank & Trust Company (this bank) | CBLR | NA | NA | NA | 11.91% | |
| North Easton Savings Bank | $1.84B | Risk-based | 16.22% | 16.22% | 16.80% | 11.19% |
| Bank of Clarke | $1.85B | Risk-based | 14.29% | 14.29% | 15.48% | 12.27% |
| First State Bank | $1.85B | Risk-based | 14.08% | 14.08% | 15.18% | 9.61% |
| Wellworth Bank | $1.84B | Risk-based | 13.79% | 13.79% | 14.98% | 9.92% |
| Cornerstone Bank | $1.85B | Risk-based | 11.28% | 11.28% | 12.44% | 9.63% |
| Independent Bank | $1.85B | Risk-based | 10.22% | 10.22% | 11.05% | 10.60% |
| Fall River Five Cents Savings Bank | $1.86B | Risk-based | 11.61% | 11.61% | 12.38% | 8.70% |
| The National Bank of Blacksburg | $1.83B | Risk-based | 16.52% | 16.52% | 17.38% | 10.54% |
| Security National Bank of Omaha | $1.86B | Risk-based | 13.37% | 13.37% | 14.63% | 10.58% |
| Embassy Bank for the Lehigh Valley | $1.86B | Risk-based | 14.10% | 14.10% | 15.16% | 8.83% |
| Peer 25th percentile | 12.05% | 12.05% | 12.99% | 9.61% | ||
| Peer median | 13.93% | 13.93% | 15.07% | 10.23% | ||
| Peer 75th percentile | 14.24% | 14.24% | 15.41% | 10.59% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/397755/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.