LEGACY BANK

MURRIETA, CA | Small | Est. June 10, 2022, midnight | FDIC #59204 | RSSD #5755510 | FDIC
Latest Report: 2025-12-31

LEGACY BANK is asn small FDIC-insured commercial bank headquartered in MURRIETA, CA, established in June 10, 2022, midnight. As of 2025-12-31, the bank reported total assets of $104M and total deposits of $88M. Profitability stands at -3.47% ROA and -33.07% ROE, with a net interest margin of 4.06%. The bank's CET1 capital ratio is 10.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.86% and a Texas Ratio of 5.56%. FDIC Certificate #59204.

Assets

$104M

Deposits

$88M

Loans

$76M

Equity

$11M

Profitability

Return on Assets (ROA) -3.47%
Return on Equity (ROE) -33.07%
Net Interest Margin (NIM) 4.06%
Yield on Assets 7.32%
Cost of Funds 3.40%

Asset Quality

NPL Ratio 0.86%
Net Charge-Off Ratio 0.12%
Texas Ratio 5.56%
NPA Ratio 0.63%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 10.40%
Tier 1 Capital 10.40%
Total Capital Ratio 10.92%
Leverage Ratio 10.38%
Loan-to-Deposit 86.49%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required