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Legacy Trust Company, National Association

Houston, TX · Cert 57380

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Legacy Trust Company, National Association

Houston, TX · Cert 57380

FDIC

Q2 2026

$40.2MAssets
$0KLoans
$0KDeposits
$33.9MEquity

NIM

2.49%Q2 ’242.44%Q2 ’252.61%Q2 ’26-2%+7%

Non-interest income vs. expense

46.00%Q2 ’2448.82%Q2 ’2547.93%Q2 ’26-3%+1%

Executive Summary

  • Earnings: ROA of 12.86%, up 11 bps year over year; NIM at 2.61%.
  • Capital: tier 1 leverage ratio of 88.01%, up 382 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

12.86%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+17 bps YoY

Efficiency Ratio (YTD, annualized)

74.93%-40 bps YoY

Tier 1 Leverage Ratio

88.01%+382 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets12.75%13.33%12.69%11.29%12.86%+11 bps
Return on Equity15.21%15.98%15.30%13.44%15.28%+6 bps
Net Interest Margin2.44%2.57%3.09%2.69%2.61%+17 bps
Efficiency Ratio75.32%74.23%75.27%77.16%74.93%-40 bps
Non-Interest Burden-13.55%-13.92%-11.89%-11.53%-13.43%+13 bps
Growth
Asset Growth (YoY)2.23%8.38%11.87%10.73%16.41%+1,418 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio84.19%84.95%82.09%84.39%88.01%+382 bps
Total Risk-Based Capital217%263%253%290%227%+958 bps
Equity / Assets84.78%82.20%81.41%86.75%84.43%-35 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Legacy Trust Company, National Association

Houston, TX · Cert 57380 · Peer group: banks under $1B in assets in TX (n=211)

FDIC

Q2 2026

$40.2MAssets
$0KLoans
$0KDeposits
$33.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets in TX (rank 1 of 211).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in TX (rank 198 of 211).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

12.50%

Rank 1 of 211

Net Interest Margin

2.61%

Rank 198 of 211

Efficiency Ratio

74.93%

Rank 163 of 211

Equity / Assets

84.43%

Rank 4 of 211

Non-interest income vs. expense

$23.7M$18.5MINCOMEEXPENSE
Favorable gap of $5.2M · efficiency ratio beats 23% of banks under $1B in assets in TX
Bank 74.93%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets12.50%0.87%1.20%1.65%Beats 100%1 / 211
Return on Equity14.80%7.52%11.67%14.58%Beats 76%50 / 211
Net Interest Margin2.61%3.28%3.82%4.31%Beats 6%198 / 211
Efficiency Ratio74.93%53.01%64.18%73.65%Beats 23%163 / 211
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio227%11.72%14.45%19.57%Beats 99%2 / 211
Total Risk-Based Capital Ratio227%11.94%14.78%20.30%Beats 99%2 / 211
Equity / Assets84.43%9.41%11.06%12.94%Beats 98%4 / 211
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%39.13%56.90%70.46%0th pctl209 / 211
Brokered Deposits / Depositsn/aNot reported for this institution