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
Favorable gap of $5.2M · efficiency ratio beats 23% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 12.50% | 0.87% | 1.20% | 1.65% | Beats 100% | 1 / 211 | |
| Return on Equity | 14.80% | 7.52% | 11.67% | 14.58% | Beats 76% | 50 / 211 | |
| Net Interest Margin | 2.61% | 3.28% | 3.82% | 4.31% | Beats 6% | 198 / 211 | |
| Efficiency Ratio | 74.93% | 53.01% | 64.18% | 73.65% | Beats 23% | 163 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 227% | 11.72% | 14.45% | 19.57% | Beats 99% | 2 / 211 | |
| Total Risk-Based Capital Ratio | 227% | 11.94% | 14.78% | 20.30% | Beats 99% | 2 / 211 | |
| Equity / Assets | 84.43% | 9.41% | 11.06% | 12.94% | Beats 98% | 4 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 39.13% | 56.90% | 70.46% | 0th pctl | 209 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |