Legacy Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in CET1 capital ratio: 62.72 percentage points lower than in Q1 2026, at 226.62%. Legacy Trust Company, N.A.'s return on assets of 14.75% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 13.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 226.62% |
| Tier 1 risk-based capital ratio | 226.62% |
| Total risk-based capital ratio | 226.62% |
| Tier 1 leverage ratio | 88.01% |
| Equity capital to assets | 84.43% |
| Tangible equity to tangible assets | 84.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 14.75% |
| Return on equity | 17.13% |
| Net interest margin | 3.20% |
| Efficiency ratio | 72.81% |
| Yield on earning assets | 3.20% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 78.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 190.82% | 190.82% | 190.82% | 85.32% | 12.32% |
| Q4 2023 | 165.89% | 165.89% | 165.89% | 87.05% | 9.72% |
| Q1 2024 | 191.55% | 191.55% | 191.55% | 86.79% | 7.15% |
| Q2 2024 | 225.37% | 225.37% | 225.37% | 82.72% | 13.87% |
| Q3 2024 | 230.99% | 230.99% | 230.99% | 82.38% | 14.02% |
| Q4 2024 | 259.54% | 259.54% | 259.54% | 80.79% | 6.53% |
| Q1 2025 | 241.84% | 241.84% | 241.84% | 83.73% | 12.09% |
| Q2 2025 | 217.05% | 217.05% | 217.05% | 84.19% | 13.18% |
| Q3 2025 | 263.28% | 263.28% | 263.28% | 84.95% | 14.71% |
| Q4 2025 | 252.94% | 252.94% | 252.94% | 82.08% | 9.91% |
| Q1 2026 | 289.34% | 289.34% | 289.34% | 84.47% | 11.27% |
| Q2 2026 | 226.62% | 226.62% | 226.62% | 88.01% | 14.75% |
Legacy Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)