Legacy Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 69.57 percentage points in Q2 2026, from 68.35% to 137.92%. It was the largest change from Q1 2026 among the key lines here. Legacy Bank has the 6th lowest return on assets of the 114 banks headquartered in California, at -1.18% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Legacy Bank reported -1.18% on return on assets in Q2 2026, 2.44 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.29% |
| Equity capital to assets | 8.65% |
| Tangible equity to tangible assets | 8.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 11.48% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 137.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.18% |
| Return on equity | -13.97% |
| Net interest margin | 4.20% |
| Efficiency ratio | 118.96% |
| Yield on earning assets | 6.79% |
| Cost of funds | 2.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.78% |
| Core deposits to total deposits | 52.17% |
| Brokered deposits to total deposits | 36.31% |
| Deposits to assets | 90.08% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 26.72% | -8.24% | 4.10% | 0.00% | 0.00% |
| Q4 2023 | 24.04% | -7.36% | 4.80% | 0.00% | 0.00% |
| Q1 2024 | 21.94% | -6.88% | 4.97% | 0.00% | 0.00% |
| Q2 2024 | 19.19% | -5.03% | 4.74% | 0.00% | 0.00% |
| Q3 2024 | 17.90% | -6.56% | 5.15% | 1.41% | 0.00% |
| Q4 2024 | 16.42% | -2.42% | 5.41% | 1.16% | 0.05% |
| Q1 2025 | 14.27% | -4.77% | 4.93% | 1.14% | -0.01% |
| Q2 2025 | 15.33% | -4.97% | 4.61% | 1.09% | 0.55% |
| Q3 2025 | 11.75% | -2.82% | 3.99% | 0.93% | 0.00% |
| Q4 2025 | 10.38% | -3.58% | 3.97% | 0.86% | 0.00% |
| Q1 2026 | 9.43% | -2.82% | 3.86% | 1.87% | 0.00% |
| Q2 2026 | 8.29% | -1.18% | 4.20% | 1.00% | 0.28% |
Legacy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59204) · FFIEC NIC profile (RSSD 5755510)