Legacy Trust Company, N.A.: 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%.
Common equity tier 1 ratio dropped 62.72 percentage points in Q2 2026, from 289.34% to 226.62%. It was the largest change from Q1 2026 among the key lines here. Legacy Trust Company, N.A.'s CET1 ratio of 226.62% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 207.06 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 226.62% |
| Tier 1 risk-based capital ratio | 226.62% |
| Total risk-based capital ratio | 226.62% |
| Tier 1 leverage ratio | 88.01% |
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 | $34.0M |
| Tier 1 capital | $34.0M |
| Total risk-based capital | $34.0M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $15.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 84.43% |
| Tangible equity to tangible assets | 84.43% |
| Equity capital to average assets | 87.84% |
| Internal capital growth rate | 17.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $29.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$66K |
| 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 | 190.82% | 190.82% | 190.82% | 85.32% | $15.1M |
| Q4 2023 | 165.89% | 165.89% | 165.89% | 87.05% | $17.8M |
| Q1 2024 | 191.55% | 191.55% | 191.55% | 86.79% | $15.8M |
| Q2 2024 | 225.37% | 225.37% | 225.37% | 82.72% | $12.6M |
| Q3 2024 | 230.99% | 230.99% | 230.99% | 82.38% | $12.0M |
| Q4 2024 | 259.54% | 259.54% | 259.54% | 80.79% | $10.9M |
| Q1 2025 | 241.84% | 241.84% | 241.84% | 83.73% | $12.1M |
| Q2 2025 | 217.05% | 217.05% | 217.05% | 84.19% | $13.5M |
| Q3 2025 | 263.28% | 263.28% | 263.28% | 84.95% | $11.6M |
| Q4 2025 | 252.94% | 252.94% | 252.94% | 82.08% | $12.5M |
| Q1 2026 | 289.34% | 289.34% | 289.34% | 84.47% | $11.3M |
| Q2 2026 | 226.62% | 226.62% | 226.62% | 88.01% | $15.0M |
Legacy Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Trust Company, N.A., 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 Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2597223)