Legacy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legacy Bank of Murrieta, CA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.18% | 1.25% | -2.43% | 1st bottom |
| ROAE | -13.97% | 12.22% | -26.19% | 1st bottom |
| Net Interest Margin | 4.20% | 3.95% | +0.25% | 64th above |
| Efficiency Ratio | 118.96% | 63.71% | +55.25% | 1st bottom |
| PPNR / Avg Assets | -0.90% | — | — | 1st bottom |
| Yield on Earning Assets | 6.79% | 5.67% | +1.12% | 92nd top |
| Cost of Funds | 2.82% | 1.87% | +0.95% | 8th bottom |
| Net Interest Spread | 2.70% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.61% | 0.88% | +0.73% | 17th bottom |
| NPA / Total Assets | 1.10% | — | — | 18th bottom |
| NCO / Avg Loans | 0.28% | 0.15% | +0.13% | 10th bottom |
| ACL / Total Loans | 1.38% | — | — | 71st above |
| ACL / NPLs (Coverage) | 85.51% | — | — | 22nd bottom |
| Texas Ratio | 11.48% | 5.96% | +5.52% | 15th bottom |
| Provision / NCO | 150.00% | — | — | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.29% | 11.75% | -3.46% | 4th bottom |
| Equity / Assets | 8.65% | 10.98% | -2.33% | 21st bottom |
| TCE / Tangible Assets | 8.65% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.78% | 80.44% | -4.66% | 61st above |
| Core Deposit Ratio | 52.17% | 86.95% | -34.78% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.39% | — | — | 96th top |
| Loan Growth (Y/Y) | 8.25% | — | — | 65th above |
| Deposit Growth (Y/Y) | 39.70% | — | — | 98th top |
See Legacy Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legacy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Legacy Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Legacy Bank peer analysis.