Murrieta, CA · Cert 59204 · Legacy Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
21
Profitability
21
Liquidity
84
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Murrieta, CA · Cert 59204 · Legacy Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.1% share · #28 of 36 inst. · $0.1B of $79.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.07% | -5.06% | -4.72% | -4.74% | -3.95% | -3.88% | -2.80% | -2.01% | +272 bps | |
| Return on Equity | -30.08% | -26.47% | -32.05% | -32.94% | -29.98% | -30.95% | -28.88% | -21.56% | +1,138 bps | |
| Net Interest Margin | 4.70% | 4.64% | 4.70% | 4.31% | 3.61% | 3.56% | 3.68% | 3.73% | -58 bps | |
| Efficiency Ratio | 212% | 181.09% | 203% | 191.50% | 179.40% | 178.72% | 174.95% | 142.44% | -4,905 bps | |
| Non-Interest Burden | 10.38% | 9.14% | 9.75% | 8.44% | 6.75% | 6.58% | 6.50% | 5.46% | -298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 20.24% | 18.85% | 26.07% | 60.79% | 39.78% | 47.64% | 24.39% | -168 bps | |
| Loan Growth (YoY) | 74.14% | 78.03% | 49.04% | 56.23% | 43.71% | 22.66% | 22.18% | 8.25% | -4,797 bps | |
| Deposit Growth (YoY) | 20.61% | 24.08% | 21.80% | 26.94% | 69.60% | 55.93% | 70.90% | 39.70% | +1,277 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 1.16% | 1.14% | 1.09% | 0.93% | 0.86% | 1.87% | 1.61% | +52 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.01% | 0.25% | 0.16% | 0.12% | 0.00% | 0.14% | -11 bps | |
| Allowance / Loans | 1.26% | 1.18% | 1.05% | 1.18% | 1.18% | 1.29% | 1.28% | 1.38% | +20 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.9x | 1.1x | 1.3x | 1.5x | 0.7x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.90% | 16.42% | 14.27% | 15.33% | 11.75% | 10.38% | 9.43% | 8.29% | -703 bps | |
| Total Risk-Based Capital | 17.90% | 16.42% | 14.27% | 15.33% | 11.75% | 10.38% | 9.43% | 8.29% | -703 bps | |
| Equity / Assets | 17.25% | 15.40% | 14.07% | 13.80% | 10.61% | 10.40% | 9.07% | 8.65% | -514 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.25% | 109.95% | 108.34% | 97.80% | 78.17% | 86.49% | 77.46% | 75.78% | -2,202 bps | |
| Liquid Assets / Assets | 21.30% | 12.25% | 11.08% | 15.79% | 22.08% | 18.44% | 17.64% | 17.96% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 385% | 419% | 456% | n/a | n/a | |
Murrieta, CA · Cert 59204 · Peer group: banks under $1B in assets (n=581-629) · Legacy Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-1.96%
Rank 611 of 629
Net Interest Margin
3.73%
Rank 260 of 629
Efficiency Ratio
142.44%
Rank 611 of 629
Equity / Assets
8.65%
Rank 508 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.96% | 0.60% | 1.01% | 1.45% | Beats 3% | 611 / 629 | ||
| Return on Equity | -22.63% | 5.38% | 9.30% | 13.28% | Beats 2% | 619 / 629 | ||
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 260 / 629 | ||
| Efficiency Ratio | 142.44% | 58.35% | 67.79% | 79.08% | Beats 3% | 611 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.09% | 0.46% | 1.20% | Beats 17% | 483 / 581 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 24% | 445 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.29% | 11.24% | 13.84% | 18.77% | Beats 0% | 627 / 629 | ||
| Total Risk-Based Capital Ratio | 8.29% | 11.58% | 14.43% | 19.66% | Beats 0% | 628 / 629 | ||
| Equity / Assets | 8.65% | 9.09% | 10.65% | 13.80% | Beats 19% | 508 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.78% | 67.24% | 80.90% | 93.48% | 41st pctl | 349 / 594 | ||
| Loans / Assets | 68.27% | 53.31% | 67.71% | 78.15% | 51st pctl | 308 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||