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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.20% | -2.36% | -4.72% | -4.89% | -2.81% | -3.47% | -2.80% | -1.24% | +365 bps | |
| Return on Equity | -35.03% | -14.47% | -32.05% | -35.10% | -23.33% | -33.07% | -28.88% | -13.97% | +2,113 bps | |
| Net Interest Margin | 4.91% | 5.14% | 4.70% | 4.32% | 3.83% | 3.85% | 3.68% | 4.10% | -22 bps | |
| Efficiency Ratio | 197.64% | 123.27% | 203% | 180.56% | 159.74% | 176.76% | 174.95% | 118.96% | -6,160 bps | |
| Non-Interest Burden | 10.61% | 6.96% | 9.75% | 8.00% | 6.53% | 6.89% | 6.50% | 5.00% | -299 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% | 0.05% | -0.01% | 0.51% | 0.00% | 0.00% | 0.00% | 0.28% | -23 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 | |