Legacy Bank
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
$112.8MAssets
$77.0MLoans
$101.6MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 59% of banks under $1B in assets (rank 260 of 629).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets (rank 628 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |