Legacy Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Legacy Trust Company, N.A. is an FDIC-insured bank headquartered in Houston, TX. At Q2 2026 it reported total assets of $40.2M, up 16.4% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Houston, TX
- Established
- Not reported
- Total assets, Q2 2026
- $40.2M
- Assets vs Q2 2025
- +16.4%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 313050051
- Latest call report
- Q2 2026, FFIEC 051 · Legacy Trust Company, N.A. call report
Legacy Trust Company, N.A. carries far more capital than most banks of its size. Based in Houston, Texas, it had $40 million in assets at June 30, 2026, up 16.4% from a year earlier. It holds common equity equal to 226.62% of its risk-weighted assets, 10.3 times the median of 22.08% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 25% from a year earlier, to $1.4 million. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Legacy Trust Company, N.A. reported a CET1 capital ratio of 226.62%, a return on assets of 14.75% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.0% to $40.2M. By the capital ratios in its Q2 2026 call report, Legacy Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 36
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.6M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2597223
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legacy Trust Company, N.A.'s total assets ranged from $33.1M (Q3 2023) to $40.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$40.2M total assets against $34.5M; $6.3M total liabilities against $5.3M.
$0 net loans and leases against $0; $0 total deposits against $0.
$31.6M securities against $25.9M; $11K cash and balances due against $7K.
$245K total interest income against $220K; $0 total interest expense against $0.
$245K net interest income against $220K.
$6.1M total noninterest income against $5.4M; $4.6M total noninterest expense against $4.2M.
No provision recorded in the last 12 quarters.
$1.4M net income against $1.1M.
14.75% return on assets against 13.18%; 3.20% net interest margin against 3.33%.
226.62% CET1 capital ratio against 217.05%; 88.01% tier 1 leverage ratio against 84.19%.
Inside the full Legacy Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 6.53% (Q4 2024) to 14.75% (Q2 2026) and its net interest margin ran from 2.81% (Q4 2025) to 3.89% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 226.62% | 14.75% | — | 0.00% | 3.20% |
| Q1 2026 | 289.34% | 11.27% | — | 0.00% | 3.38% |
| Q4 2025 | 252.94% | 9.91% | — | 0.00% | 2.81% |
| Q3 2025 | 263.28% | 14.71% | — | 0.00% | 3.89% |
| Q2 2025 | 217.05% | 13.18% | — | 0.00% | 3.33% |
| Q1 2025 | 241.84% | 12.09% | — | 0.00% | 3.00% |
| Q4 2024 | 259.54% | 6.53% | — | 0.00% | 2.99% |
| Q3 2024 | 230.99% | 14.02% | — | 0.00% | 3.00% |
Swipe the table sideways to see every column.
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Legacy Trust Company, N.A.
What are Legacy Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Legacy Trust Company, N.A. reported total assets of $40.2 million in its FFIEC call report.
Where is Legacy Trust Company, N.A. headquartered?
It is headquartered in Houston, TX, United States.
What is Legacy Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 226.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Legacy Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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