Legends 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 average assets fell 0.30 percentage points from Q1 2026 to Q2 2026, ending at 9.42% against 9.72%. It was the largest change among the key lines on this page. Legends Bank ranks 51st of 71 Tennessee banks on CET1 ratio, in the lower half at 12.09% (Q2 2026). Legends Bank reported 12.09% on CET1 ratio for Q2 2026, 3.00 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 | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.98% |
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 | $93.9M |
| Tier 1 capital | $93.9M |
| Total risk-based capital | $101.8M |
| Total equity capital | $88.7M |
| Risk-weighted assets | $777.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
| Equity capital to average assets | 9.42% |
| Internal capital growth rate | -7.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $20.1M |
| Retained earnings | $72.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 11.85% | 11.85% | 12.66% | 9.12% | $657.0M |
| Q4 2023 | 12.12% | 12.12% | 12.96% | 9.38% | $658.7M |
| Q1 2024 | 12.33% | 12.33% | 13.16% | 9.62% | $663.1M |
| Q2 2024 | 12.55% | 12.55% | 13.39% | 9.80% | $666.7M |
| Q3 2024 | 12.61% | 12.61% | 13.43% | 10.03% | $678.8M |
| Q4 2024 | 12.63% | 12.63% | 13.52% | 10.12% | $692.2M |
| Q1 2025 | 12.64% | 12.64% | 13.51% | 10.32% | $707.5M |
| Q2 2025 | 12.04% | 12.04% | 12.89% | 10.05% | $736.9M |
| Q3 2025 | 12.14% | 12.14% | 13.03% | 10.09% | $749.9M |
| Q4 2025 | 12.23% | 12.23% | 13.19% | 10.05% | $761.4M |
| Q1 2026 | 12.30% | 12.30% | 13.28% | 10.35% | $776.4M |
| Q2 2026 | 12.09% | 12.09% | 13.10% | 9.98% | $777.0M |
Legends Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Legends 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34936) · FFIEC NIC profile (RSSD 2745426)