BlastPoint's Banking Scorecard

Legacy Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59204

Designations: ✓ Minority Depository Institution

Murrieta, CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Legacy Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 4.07% below tier average
- Efficiency Ratio 109.66% above tier average
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.13% below tier average
- Delinquency Rate 1.01% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$111.5M +47.6% YoY +6.7% QoQ	-$274.6M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Bottom 3.3% in tier
Total Loans ?	$76.4M +21.9% YoY +1.5% QoQ	-$179.4M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Bottom 9.7% in tier
Total Deposits ?	$99.9M +70.9% YoY +13.3% QoQ	-$228.1M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 5.6% in tier
Return on Assets ?	-2.80% +40.6% YoY +27.8% QoQ	-4.07%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 0.5% in tier
Net Interest Margin ?	3.80% -23.1% YoY -11.5% QoQ	-0.13%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	174.95% -13.7% YoY -2.1% QoQ	+109.66%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 0.3% in tier
Delinquency Rate ?	1.90% +64.4% YoY +116.4% QoQ	+1.01%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 13.6% in tier
Loan-to-Deposit Ratio ?	76.47% -28.7% YoY -10.4% QoQ	-0.17%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	25.66% +34.7% YoY +65.5% QoQ	+3.64%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	1.30% +35.7% YoY +105.7% QoQ	+0.66%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 14.2% in tier
Tier 1 Capital Ratio ?	9.43% -33.9% YoY -9.1% QoQ	-6.40%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Bottom 3.8% in tier
Non-Interest Income / Assets ?	0.02% -59.4% YoY -92.3% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 4.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2656

Efficiency Ratio

profitability

Value: 174.95%

Peer Median: 65.29%

#2656 of 2664 Bottom 0.3% in $100M-$1B

2651

Return on Assets

profitability

Value: -2.80%

Peer Median: 1.27%

#2651 of 2664 Bottom 0.5% in $100M-$1B

2578

Total Assets

size

Value: $111.49M

Peer Median: $386.08M

#2578 of 2664 Bottom 3.3% in $100M-$1B

2563

Tier 1 Capital Ratio

capital

Value: 9.43%

Peer Median: 15.83%

#2563 of 2664 Bottom 3.8% in $100M-$1B

2534

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2534 of 2664 Bottom 4.9% in $100M-$1B

2515

Total Deposits

size

Value: $99.86M

Peer Median: $327.97M

#2515 of 2664 Bottom 5.6% in $100M-$1B

2407

Total Loans

size

Value: $76.36M

Peer Median: $255.72M

#2407 of 2664 Bottom 9.7% in $100M-$1B

2295

Delinquency Rate

credit_quality

Value: 1.90%

Peer Median: 0.89%

#2295 of 2654 Bottom 13.6% in $100M-$1B

2287

Nonperforming Asset Ratio

credit_quality

Value: 1.30%

Peer Median: 0.64%

#2287 of 2664 Bottom 14.2% in $100M-$1B