Legacy Bank
Asset quality shifted last quarter — NPLs rose to 1.87% from 0.86% in the prior period. Legacy Bank is an FDIC-insured commercial bank. Legacy's Q1 2026 balance sheet shows $111M in assets funded primarily by $100M in customer deposits. The bank reported a loss in the most recent quarter, with ROA at -2.82% and ROE at -28.88%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.43% exceeds the 9% CBLR threshold. Asset quality merits closer attention with NPLs at 1.87%. The bank operates from a single office.
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
- Fed District
- 14
- Established
- June 10, 2022
- Branches
- 1 domestic
- Employees (FTE)
- 25
- FDIC Cert
- 59204
- Fed RSSD
- 5755510
- Parent Holding Company
- LEGACY BANCORP (RSSD 5701807)
Profitability
Capital & Liquidity
Inside the full Legacy Bank terminal
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Legacy Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Legacy Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Legacy Bank
What are Legacy Bank's total assets?
As of the Q1 2026 filing, Legacy Bank reported total assets of $111.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Legacy Bank headquartered?
Legacy Bank is headquartered in MURRIETA, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Legacy Bank founded?
Legacy Bank was established in 2022, per the FDIC institution directory.
Is Legacy Bank FDIC-insured?
Yes. Legacy Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Legacy Bank operate?
Legacy Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Legacy Bank's Texas Ratio?
Legacy Bank's Texas Ratio is 13.04% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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