Legacy Bank (FDIC certificate #59204) is based in Murrieta, California. Its Q2 2026 call report shows $112.8M in total assets and $101.6M in deposits and 1 office.
Based on its Q2 2026 filing, Legacy Bank scores 38/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 114th. Its strongest component is problem-loan coverage (77/100; 11.5%), and its lowest is earnings (0/100; -2.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 24 points (62 → 38), mostly because the capital cushion component weakened by 67 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 58 |
| Q2 2025 | 62 |
| Q3 2025 | 57 |
| Q4 2025 | 51 |
| Q1 2026 | 39 |
| Q2 2026 | 38 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.19% |
| Q3 2024 | 17.90% |
| Q4 2024 | 16.42% |
| Q1 2025 | 14.27% |
| Q2 2025 | 15.33% |
| Q3 2025 | 11.75% |
| Q4 2025 | 10.38% |
| Q1 2026 | 9.43% |
| Q2 2026 | 8.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.09% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.86% |
| Q1 2026 | 1.87% |
| Q2 2026 | 1.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -5.90% |
| Q3 2024 | -6.07% |
| Q4 2024 | -5.06% |
| Q1 2025 | -4.72% |
| Q2 2025 | -4.74% |
| Q3 2025 | -3.95% |
| Q4 2025 | -3.88% |
| Q1 2026 | -2.80% |
| Q2 2026 | -2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $112.8M | 8.29% | 1.61% | -2.01% | 74.7% |
| Q1 2026 | 39 | $111.5M | 9.43% | 1.87% | -2.80% | 76.5% |
| Q4 2025 | 51 | $104.5M | 10.38% | 0.86% | -3.88% | 85.4% |
| Q3 2025 | 57 | $111.3M | 11.75% | 0.93% | -3.95% | 77.2% |
| Q2 2025 | 62 | $90.7M | 15.33% | 1.09% | -4.74% | 96.6% |
| Q1 2025 | 58 | $75.5M | 14.27% | 1.14% | -4.72% | 107.2% |
| Q4 2024 | 59 | $74.7M | 16.42% | 1.16% | -5.06% | 108.7% |
| Q3 2024 | 59 | $69.2M | 17.90% | 1.41% | -6.07% | 91.1% |
| Q2 2024 | 75 | $71.9M | 19.19% | 0.00% | -5.90% | 78.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| California Pacific BankBank Hayward, CA | 56 out of 100, Moderate | $102.6M | 41.0% | 15.93% | vs |
| Eastern International BankBank Los Angeles, CA | 80 out of 100, Strong | $125.8M | 18.3% | 0.00% | vs |
| California Business BankBank Irvine, CA | 77 out of 100, Strong | $130.5M | 14.5% | 0.55% | vs |
| Bank of Whittier, National AssociationBank Whittier, CA | 87 out of 100, Very strong | $152.6M | 16.4% | 0.00% | vs |
| Icon Business BankBank Riverside, CA | 57 out of 100, Moderate | $155.5M | 11.9% | 0.22% | vs |
Deposit insurance
Is my money safe at Legacy Bank?
Yes. Legacy Bank is an FDIC-insured institution (FDIC certificate #59204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.4% of deposits ($40.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Legacy Bank lists 1 office in 1 city. Most locations:
- Murrieta, CA (1)
Identity & history
Profile
- Legal name
- Legacy Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59204
- RSSD ID
- 5755510
- Primary regulator
- FDIC
- Holding company
- Legacy Bcorp
- Established
- June 10, 2022
- Headquarters
- 41391 Kalmia St, Murrieta, CA 92562
- Website
- www.legacybankca.com
- Employees
- 23
Quick answers
Legacy Bank: common questions
Is Legacy Bank FDIC insured?
Yes. Legacy Bank is an FDIC-insured institution (FDIC certificate #59204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Legacy Bank's TellerScore?
38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Legacy Bank ever failed?
There is no failure record for FDIC certificate #59204 in the FDIC failed bank list.
How many branches does Legacy Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Murrieta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| HCN BankBank Riverside, CA | 79 out of 100, Strong | $998.4M | 11.7% | 0.00% | vs |
| California Bank of Commerce, National AssociationBank San Diego, CA | 75 out of 100, Strong | $4.0B | 12.8% | 0.29% | vs |
| Banner BankBank Walla Walla, WA | 72 out of 100, Strong | $16.6B | 11.2% | 0.46% | vs |
| Altura Federal Credit UnionCredit union Riverside, CA | 70 out of 100, Strong | $2.6B | 11.2% | 0.65% | vs |