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Legacy Bank
Murrieta, CA · FDIC Certificate #59204 · Chartered 06/1
Total assets
$112.78M
Total deposits
$101.60M
Total equity
$9.76M
Net loans
$75.93M
Branches (offices)
1
Net income (YTD)
-$1.10M
Rank: #3,586 of 4,213 U.S. banks by assets · #111 of 115 in California. Assets changed 24.4% and deposits 39.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.01% |
| Return on equity | -21.56% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.65% |
| Tier 1 leverage ratio | 8.29% |
| Uninsured deposits (share of deposits) | 39.4% |
| Noncurrent loans (share of loans) | 1.61% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 74.7% |
| Real estate loans (share of loans) | 66.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $50.34M | 66.3% | |
| Commercial & industrial | $26.54M | 34.9% | |
| Consumer / individual | $116.00K | 0.2% | |
| Construction & development | $1.43M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $25.39M | $125.00K | -$750.00K | $25.24M |
| Jun 2023 | $56.10M | $34.16M | -$2.27M | $17.36M |
| Jun 2024 | $71.92M | $57.29M | -$1.94M | $13.03M |
| Jun 2025 | $90.67M | $72.72M | -$1.90M | $12.51M |
| Jun 2026 | $112.78M | $101.60M | -$1.10M | $9.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $101.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $101.60M.
Similar-sized banks
Monument Bank ($112.83M) · Bank Of Commerce And Trust Company ($112.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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