Legence Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 10.09% against 9.71%. It was the largest change among the key lines on this page. Within Illinois, Legence Bank is 108th of 198 on CET1 ratio, 14.61% as of Q2 2026. Legence Bank reported 14.61% on CET1 ratio for Q2 2026, 0.47 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 9.55% |
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 | $61.6M |
| Tier 1 capital | $61.6M |
| Total risk-based capital | $66.3M |
| Total equity capital | $64.9M |
| Risk-weighted assets | $421.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 9.31% |
| Equity capital to average assets | 9.97% |
| Internal capital growth rate | -2.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $29.1M |
| Retained earnings | $37.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 12.19% | 12.19% | 13.24% | 9.05% | $484.2M |
| Q4 2023 | 12.61% | 12.61% | 13.70% | 9.08% | $472.6M |
| Q1 2024 | 12.93% | 12.93% | 14.09% | 9.19% | $464.3M |
| Q2 2024 | 13.00% | 13.00% | 14.18% | 9.26% | $465.9M |
| Q3 2024 | 13.27% | 13.27% | 14.35% | 9.59% | $460.2M |
| Q4 2024 | 13.18% | 13.18% | 14.14% | 9.32% | $452.5M |
| Q1 2025 | 13.38% | 13.38% | 14.42% | 9.11% | $446.8M |
| Q2 2025 | 13.77% | 13.77% | 14.72% | 9.32% | $443.4M |
| Q3 2025 | 14.15% | 14.15% | 15.17% | 9.45% | $433.7M |
| Q4 2025 | 13.72% | 13.72% | 14.92% | 9.40% | $442.9M |
| Q1 2026 | 14.30% | 14.30% | 15.47% | 9.61% | $433.7M |
| Q2 2026 | 14.61% | 14.61% | 15.73% | 9.55% | $421.8M |
Legence Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legence Bank, 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 Legence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10886) · FFIEC NIC profile (RSSD 635840)