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Legacy Trust Company, National Association

Houston, TX · Cert 57380

FDIC

Q2 2026

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

NIM

2.43%Q2 ’242.54%Q2 ’252.54%Q2 ’26+4%+0%

Non-interest income vs. expense

45.60%Q2 ’2448.21%Q2 ’2547.75%Q2 ’26+6%-8%

Executive Summary

  • Earnings: ROA of 14.60%, up 129 bps year over year; NIM at 2.54%.
  • Capital: tier 1 leverage ratio of 88.01%, up 382 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

14.60%+129 bps YoY

Net Interest Margin (quarter, annualized)

2.54%0 bps YoY

Efficiency Ratio (quarter, annualized)

72.81%-147 bps YoY

Tier 1 Leverage Ratio

88.01%+382 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets13.31%14.70%10.96%11.29%14.60%+129 bps
Return on Equity15.59%17.62%13.41%13.44%17.07%+148 bps
Net Interest Margin2.54%2.98%5.19%2.69%2.54%0 bps
Efficiency Ratio74.27%72.18%78.23%77.16%72.81%-147 bps
Non-Interest Burden-14.16%-15.58%-8.56%-11.53%-15.30%-114 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