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Legacy Bank

Murrieta, CA · Cert 59204 · Legacy Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$112.8MAssets
$77.0MLoans
$101.6MDeposits
$9.8MEquity
Loan mix
61%RE $47.4M39%C&I $29.8M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $70.7M30%Noninterest $30.9MQ2 2025Q2 2026

NIM

6.75%Q2 ’247.00%Q2 ’256.27%Q2 ’26-5%-13%

Non-interest income vs. expense

10.14%Q2 ’248.66%Q2 ’255.83%Q2 ’26-16%-35%

Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.1% share · #28 of 36 inst. · $0.1B of $79.7B

Executive Summary

  • Earnings: ROA of -2.01%, up 272 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 1.61% of loans (+52 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 8.29%, down 703 bps from a year ago.
  • Funding: loans stand at 75.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.01%+272 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-58 bps YoY

Efficiency Ratio (YTD, annualized)

142.44%-4,905 bps YoY

Tier 1 Leverage Ratio

8.29%-703 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.74%-3.95%-3.88%-2.80%-2.01%+272 bps
Return on Equity-32.94%-29.98%-30.95%-28.88%-21.56%+1,138 bps
Net Interest Margin4.31%3.61%3.56%3.68%3.73%-58 bps
Efficiency Ratio191.50%179.40%178.72%174.95%142.44%-4,905 bps
Non-Interest Burden8.44%6.75%6.58%6.50%5.46%-298 bps
Growth
Asset Growth (YoY)26.07%60.79%39.78%47.64%24.39%-168 bps
Loan Growth (YoY)56.23%43.71%22.66%22.18%8.25%-4,797 bps
Deposit Growth (YoY)26.94%69.60%55.93%70.90%39.70%+1,277 bps
Asset Quality
Nonperforming Loans / Loans1.09%0.93%0.86%1.87%1.61%+52 bps
Net Charge-Offs / Loans0.25%0.16%0.12%0.00%0.14%-11 bps
Allowance / Loans1.18%1.18%1.29%1.28%1.38%+20 bps
Allowance Coverage of NPLs1.1x1.3x1.5x0.7x0.9x-0.2x
Capital
Tier 1 Leverage Ratio15.33%11.75%10.38%9.43%8.29%-703 bps
Total Risk-Based Capital15.33%11.75%10.38%9.43%8.29%-703 bps
Equity / Assets13.80%10.61%10.40%9.07%8.65%-514 bps
Liquidity & Funding
Loans / Deposits97.80%78.17%86.49%77.46%75.78%-2,202 bps
Liquid Assets / Assets15.79%22.08%18.44%17.64%17.96%+217 bps
CRE / Total Capitaln/a385%419%456%n/an/a