Legend Bank, 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 7.7% lower than in Q1 2026, at -$20.9M. Within Texas, Legend Bank, N. A. is 136th of 184 on CET1 ratio, 14.14% as of Q2 2026, below the middle of the field. Legend Bank, N. A. reported 14.14% on CET1 ratio for Q2 2026, 0.66 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.14% |
| Tier 1 risk-based capital ratio | 14.14% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 10.35% |
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 | $130.0M |
| Tier 1 capital | $130.0M |
| Total risk-based capital | $140.8M |
| Total equity capital | $120.9M |
| Risk-weighted assets | $919.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.51% |
| Tangible equity to tangible assets | 8.66% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $12.0M |
| Retained earnings | $127.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.9M |
| 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 | 13.45% | 13.45% | 14.67% | 9.55% | $759.6M |
| Q4 2023 | 12.84% | 12.84% | 14.00% | 9.64% | $807.4M |
| Q1 2024 | 12.95% | 12.95% | 14.13% | 9.66% | $818.3M |
| Q2 2024 | 12.54% | 12.54% | 13.70% | 9.82% | $866.8M |
| Q3 2024 | 12.87% | 12.87% | 14.07% | 9.87% | $853.2M |
| Q4 2024 | 12.57% | 12.57% | 13.80% | 9.74% | $884.3M |
| Q1 2025 | 13.27% | 13.27% | 14.32% | 9.93% | $863.1M |
| Q2 2025 | 14.21% | 14.21% | 15.29% | 10.15% | $839.7M |
| Q3 2025 | 14.17% | 14.17% | 15.31% | 10.29% | $865.9M |
| Q4 2025 | 13.88% | 13.88% | 15.04% | 9.97% | $884.4M |
| Q1 2026 | 13.84% | 13.84% | 15.00% | 10.23% | $917.1M |
| Q2 2026 | 14.14% | 14.14% | 15.32% | 10.35% | $919.1M |
Legend Bank, N. A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legend Bank, 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 Legend Bank, N. A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3108) · FFIEC NIC profile (RSSD 100357)