Call reports 2025
LEGACY BANK & TRUST COMPANY — 2025
What LEGACY BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,915,268,000 | 1,872,452,000 | 1,835,499,000 | 1,861,250,000 |
| Total loans | 1,639,996,000 | 1,583,493,000 | 1,543,249,000 | 1,529,492,000 |
| Allowance for loan losses | 18,457,000 | 18,457,000 | 18,457,000 | 18,150,000 |
| Securities available for sale | 7,598,000 | 987,000 | 995,000 | 1,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,632,305,000 | 1,584,619,000 | 1,525,784,000 | 1,545,247,000 |
| Interest-bearing deposits | 1,514,840,000 | 1,453,062,000 | 1,391,734,000 | 1,361,974,000 |
| Noninterest-bearing deposits | 117,465,000 | 131,557,000 | 134,050,000 | 183,273,000 |
| Equity capital | 219,132,000 | 224,520,000 | 230,582,000 | 235,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 28,958,000 | 58,366,000 | 87,768,000 | 116,442,000 |
| Interest expense | 14,436,000 | 28,931,000 | 42,947,000 | 55,603,000 |
| Net interest income | 14,522,000 | 29,435,000 | 44,821,000 | 60,839,000 |
| Noninterest income | 15,884,000 | 16,663,000 | 17,419,000 | 18,418,000 |
| Noninterest expense | 9,060,000 | 17,839,000 | 26,294,000 | 38,536,000 |
| Provision for loan losses | 250,000 | 250,000 | 250,000 | -50,000 |
| Pretax income | 21,096,000 | 28,009,000 | 35,696,000 | 42,181,000 |
| Income tax | 4,911,000 | 6,436,000 | 8,072,000 | 9,263,000 |
| Net income | 16,185,000 | 21,573,000 | 27,624,000 | 32,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,983,000 | 221,370,000 | 227,422,000 | 232,715,000 |
| Total capital | 237,905,000 | 242,232,000 | 247,832,000 | — |
| Risk-weighted assets | 1,753,250,000 | 1,667,429,000 | 1,630,816,000 | — |