The Preferred Legacy National Trust 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 dropped 4.60 percentage points in Q2 2026, from 94.99% to 90.40%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, The Preferred Legacy National Trust Bank reported 88.35% on CET1 ratio in Q2 2026, 68.79 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 88.35% |
| Tier 1 risk-based capital ratio | 88.35% |
| Total risk-based capital ratio | 88.35% |
| Tier 1 leverage ratio | 90.40% |
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 | $10.1M |
| Tier 1 capital | $10.1M |
| Total risk-based capital | $10.1M |
| Total equity capital | $10.1M |
| Risk-weighted assets | $11.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 88.35% |
| Tangible equity to tangible assets | 88.35% |
| Equity capital to average assets | 90.40% |
| Internal capital growth rate | 14.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $9.9M |
| Retained earnings | -$6.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 10 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 |
|---|---|---|---|---|---|
| Q1 2024 | 98.27% | 98.27% | 98.27% | 99.79% | $8.1M |
| Q2 2024 | 97.67% | 97.67% | 97.67% | 99.63% | $8.6M |
| Q3 2024 | 98.64% | 98.64% | 98.64% | 100.12% | $9.0M |
| Q4 2024 | 97.83% | 97.83% | 97.83% | 89.86% | $7.0M |
| Q1 2025 | 98.05% | 98.05% | 98.05% | 100.10% | $7.5M |
| Q2 2025 | 92.85% | 92.85% | 92.85% | 98.10% | $8.4M |
| Q3 2025 | 92.48% | 92.48% | 92.48% | 94.21% | $8.9M |
| Q4 2025 | 88.74% | 88.74% | 88.74% | 90.83% | $9.9M |
| Q1 2026 | 92.21% | 92.21% | 92.21% | 94.99% | $10.6M |
| Q2 2026 | 88.35% | 88.35% | 88.35% | 90.40% | $11.5M |
The Preferred Legacy National Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Preferred Legacy National Trust 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 The Preferred Legacy National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5887420)