The Preferred Legacy National Trust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Equity capital to assets: 3.85 percentage points lower than in Q1 2026, at 88.35%. The Preferred Legacy National Trust Bank's return on assets of 12.45% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 11.47 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 88.35% |
| Tier 1 risk-based capital ratio | 88.35% |
| Total risk-based capital ratio | 88.35% |
| Tier 1 leverage ratio | 90.40% |
| Equity capital to assets | 88.35% |
| Tangible equity to tangible assets | 88.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 12.45% |
| Return on equity | 14.01% |
| Net interest margin | 3.96% |
| Efficiency ratio | 70.89% |
| Yield on earning assets | 3.96% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 0.86% |
Vital Signs trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q1 2024 | 98.27% | 98.27% | 98.27% | 99.79% | -11.23% |
| Q2 2024 | 97.67% | 97.67% | 97.67% | 99.63% | -4.80% |
| Q3 2024 | 98.64% | 98.64% | 98.64% | 100.12% | -3.91% |
| Q4 2024 | 97.83% | 97.83% | 97.83% | 89.86% | -8.13% |
| Q1 2025 | 98.05% | 98.05% | 98.05% | 100.10% | -6.77% |
| Q2 2025 | 92.85% | 92.85% | 92.85% | 98.10% | 1.77% |
| Q3 2025 | 92.48% | 92.48% | 92.48% | 94.21% | -9.91% |
| Q4 2025 | 88.74% | 88.74% | 88.74% | 90.83% | -1.07% |
| Q1 2026 | 92.21% | 92.21% | 92.21% | 94.99% | 13.51% |
| Q2 2026 | 88.35% | 88.35% | 88.35% | 90.40% | 12.45% |
The Preferred Legacy National Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Preferred Legacy National Trust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)