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BDI
LB

Legacy Bank

Murrieta, CaliforniaFDIC Cert #59204

STATEEstablished 20221 branch

Holding company: LEGACY BCORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.32%
Peer standing8th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP9ASSET + LNLSGR
Nonaccrual %
1.87%
+64.0%y/y
Peer standing8th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNAASSET + LNLSGR
Noncurrent %
1.87%
+64.0%y/y
Peer standing8th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.30%
+35.7%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.45M
+100.4%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
+100.0%y/y
Peer standing75th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNTLNLS + LNLSGR
NCO
$0
+100.0%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.28%
+21.7%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICLNATRES + LNLSGR
30–89
$1.02M
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICP9ASSET
Nonaccrual
$1.45M
+100.4%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 2022 — Denovo banks opened in 2022 having assets less than $750 million
FDICNAASSET