BlastPoint's Banking Scorecard
Legacy Bank
Micro
Specialty: Commercial
CA
FDIC cert 59204
Designations: ✓ Community bank
Murrieta, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Legacy Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 4.97% below tier
- - Efficiency Ratio 110.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.5M
+39.8% YoY
-6.1% QoQ
|
-$113.0M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$75.2M
+22.5% YoY
+3.7% QoQ
|
-$63.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$88.1M
+55.9% YoY
-6.2% QoQ
|
-$95.5M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
-3.88%
+23.3% YoY
+1.7% QoQ
|
-4.97% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.30%
-14.5% YoY
-1.2% QoQ
|
+0.44% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
178.72%
-1.3% YoY
-0.4% QoQ
|
+110.99% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.88%
-25.5% YoY
-7.2% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
85.37%
-21.4% YoY
+10.5% QoQ
|
+10.84% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
15.51%
-17.8% YoY
+4.4% QoQ
|
-6.89% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.63%
-34.7% YoY
+2.5% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-67.6% YoY
+18.7% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.88%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
178.72%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 74.53%
31
31th pctile
Total Loans
Current: $75.2M · Tier avg: $139.2M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 22.39%
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $104.5M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -3.88% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 178.72% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 178.72% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -3.88% · Tier avg: 1.08%
24
24th pctile
Total Assets
Current: $104.5M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 22.39%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
31
31th pctile
Total Loans
Current: $75.2M · Tier avg: $139.2M
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 74.53%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%