Legacy Bank (Murrieta, CA)
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Data as of · sourced from FFIEC call reports. How we update
Legacy Bank is an FDIC-insured commercial bank headquartered in Murrieta, CA, established in 2022 (FDIC certificate 59204), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $112.8M, up 24.4% from Q2 2025, the 109th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.29% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59204
- Headquarters
- Murrieta, CA
- Established
- 2022
- Total assets, Q2 2026
- $112.8M
- Assets vs Q2 2025
- +24.4%
- Tier 1 leverage ratio, Q2 2026
- 8.29%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122245293
- Holding company
- LEGACY BANCORP
- Asset rank in state
- 109th of 113 in California
Problem loans are rising at Legacy Bank. Based in Murrieta, California, it had $113 million in assets at June 30, 2026, up 24.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.61% of loans from 1.09% a year earlier. It loses about $1.18 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 119 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $347,000 in the quarter. Over the same year, loans grew 8.3% and deposits grew 39.7%. Funding is the softer spot: it pays an average of 2.82% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Legacy Bank reported a return on assets of -1.18%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 11.48%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Legacy Bank is the 109th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $112.8M, loans fell 0.5% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 47.6% of total loans, ahead of commercial and industrial loans at 34.5%. The FDIC Summary of Deposits lists a single office for it, in Murrieta, CA. By the capital ratios in its Q2 2026 call report, Legacy Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 41391 Kalmia St, Murrieta, CA 92562
- County
- Riverside
- Metro Area
- Riverside-San Bernardino-Ontario, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 10, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $101.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $117.7M
- Average total loans
- $77.0M
- Average interest-bearing deposits
- $77.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 10, 2022
- FDIC Cert
- 59204
- Fed RSSD
- 5755510
- Website
- https://www.legacybankca.com →
- Parent Holding Company
- LEGACY BANCORP (RSSD 5701807)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Legacy Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Legacy Bank's total assets ranged from $62.2M (Q4 2023) to $112.8M (Q2 2026), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$112.8M total assets against $90.7M; $103.0M total liabilities against $78.2M.
$75.9M net loans and leases against $70.3M; $101.6M total deposits against $72.7M.
$0 securities against $0; $34.0M cash and balances due against $17.4M.
$1.9M total interest income against $1.5M; $742K total interest expense against $600K.
$1.2M net interest income against $882K.
$191K total noninterest income against $49K; $1.7M total noninterest expense against $1.7M.
$81K provision for credit losses against $265K.
-$347K net income against -$1.0M.
-1.18% return on assets against -4.97%; 4.20% net interest margin against 4.61%.
8.29% tier 1 leverage ratio against 15.33%.
Inside the full Legacy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLegacy Bank rankings
Its closest position to the top of a national ranking is 514 of 3,640, for Texas Ratio; its furthest is 3,592 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.56% (Q3 2024) to -1.18% (Q2 2026) and its net interest margin ran from 3.86% (Q1 2026) to 5.41% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.29% | -1.18% | 1.61% | 11.48% | 4.20% |
| Q1 2026 | 9.43% | -2.82% | 1.87% | 13.04% | 3.86% |
| Q4 2025 | 10.38% | -3.58% | 0.86% | 5.56% | 3.97% |
| Q3 2025 | 11.75% | -2.82% | 0.93% | 5.41% | 3.99% |
| Q2 2025 | 15.33% | -4.97% | 1.09% | 5.81% | 4.61% |
| Q1 2025 | 14.27% | -4.77% | 1.14% | 6.40% | 4.93% |
| Q4 2024 | 16.42% | -2.42% | 1.16% | 5.90% | 5.41% |
| Q3 2024 | 17.90% | -6.56% | 1.41% | 5.74% | 5.15% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Legacy Bank (main office) | Murrieta , CA | 92562 | $101.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 22, 2006, OCC: Formal Agreement: Legacy Bank, National Association
- Period: Most recent institution action December 22, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 152 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 12 loans, $10.8M approved, $898K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Legacy Bank
What are Legacy Bank's total assets?
As of the Q2 2026 filing, Legacy Bank reported total assets of $112.8 million in its FFIEC call report.
Where is Legacy Bank headquartered?
It is headquartered in Murrieta, CA, United States.
When was Legacy Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Legacy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Legacy Bank?
Legacy Bank's primary federal regulator is the FDIC.
How many branches does Legacy Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Legacy Bank's Texas Ratio?
Its Texas Ratio is 11.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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