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%.
Equity capital to average assets rose 0.63 percentage points from Q2 2026 to Q3 2026, ending at 18.86% against 18.23%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.12% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $120.3M |
| Tier 1 capital | $120.3M |
| Total risk-based capital | — |
| Total equity capital | $118.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 18.61% |
| Tangible equity to tangible assets | 18.61% |
| Equity capital to average assets | 18.86% |
| Internal capital growth rate | 13.48% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $12.8M |
| Retained earnings | $107.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 16.68% | 16.26% | 16.26% |
| Q1 2024 | 16.90% | 16.33% | 16.33% |
| Q2 2024 | 17.01% | 16.48% | 16.48% |
| Q3 2024 | 17.44% | 17.48% | 17.48% |
| Q4 2024 | 17.93% | 17.61% | 17.61% |
| Q1 2025 | 18.06% | 17.53% | 17.53% |
| Q2 2025 | 18.03% | 17.40% | 17.40% |
| Q3 2025 | 18.16% | 18.02% | 18.02% |
| Q4 2025 | 18.58% | 18.63% | 18.63% |
| Q1 2026 | 18.53% | 18.14% | 18.14% |
| Q2 2026 | 18.30% | 18.25% | 18.25% |
| Q3 2026 | 19.12% | 18.61% | 18.61% |
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 12616) · FFIEC NIC profile (RSSD 865151)