PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Legacy Trust Company, National Association

Houston, TX · Cert 57380

FDIC

Q2 2026

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.58%10.32%12.26%12.75%13.33%12.69%11.29%12.86%+11 bps
Return on Equity13.93%12.48%14.71%15.21%15.98%15.30%13.44%15.28%+6 bps
Net Interest Margin2.45%2.34%2.33%2.44%2.57%3.09%2.69%2.61%+17 bps
Efficiency Ratio74.08%77.48%76.38%75.32%74.23%75.27%77.16%74.93%-40 bps
Non-Interest Burden-14.10%-11.61%-12.81%-13.55%-13.92%-11.89%-11.53%-13.43%+13 bps
Growth
Asset Growth (YoY)4.30%0.49%-1.83%2.23%8.38%11.87%10.73%16.41%+1,418 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio82.38%80.79%83.73%84.19%84.95%82.09%84.39%88.01%+382 bps
Total Risk-Based Capital231%260%242%217%263%253%290%227%+958 bps
Equity / Assets80.33%80.64%86.03%84.78%82.20%81.41%86.75%84.43%-35 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a