Side-by-side · Q2 2026 data
California Pacific Bank vs Legacy Bank
Metric by metric
| Measure | California Pacific Bank | Legacy Bank |
|---|---|---|
| TellerScore | 56 (stronger) | 38 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 0 | 46 (stronger) |
| Earnings | 96 (stronger) | 0 |
| Funding & liquidity | 22 | 59 (stronger) |
| Problem-loan coverage | 30 | 77 (stronger) |
| Peer percentile | 13th | 2nd |
| Total assets | $102.6M | $112.8M |
| Deposits / shares | $59.2M | $101.6M |
| Capital ratio | 40.98% (stronger) | 8.29% |
| Problem loans | 15.93% | 1.61% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.90% (stronger) | -2.01% |
| Loans ÷ deposits | 134.1% | 74.7% (stronger) |
| Uninsured deposits | 40.0% | 39.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Pacific Bank has the higher TellerScore (56 vs 38). On the 7 directional measures above (where higher or lower is clearly better), California Pacific Bank leads on 4 and Legacy Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.