Kroll BondRating Agency affirmed a number of ratings for Plano, Texas-based , including its BBB+ senior unsecured debt rating.

Alsoaffirmed were the company's BBB subordinated debt rating and its K2 short-termrating. For unit LegacyTexasBank, the rating agency affirmed its A- deposit rating, A- seniorunsecured debt rating, BBB+ subordinated debt eating, K2 short-term depositrating and K2 short-term debt rating.

Alllong-term ratings have a negative outlook.

Accordingto Kroll, constraints on ratings include the bank's declining regulatorycapital ratios and energy lending exposure.