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Tribal Division

Who We Are

Legacy Bank proudly stands as the only Native American-Owned Bank in California, and one out of 17 Tribally-owned banks in the United States


A Community, Commercial & Tribal Bank

We are passionate about servicing the needs of tribal communities, offering services to Tribal Government, Tribal Members, Tribal Communities, Tribal Businesses, and Tribal Non-Profit Organizations. Providing banking to tribes is important to us, especially in remote areas where accessibility to banks may be limited. At Legacy Bank, you have direct access to Executive Leadership and the ability to create customized solutions built to meet your needs. Legacy Bank goes beyond traditional banking to support your mission to contribute to your sustainability.


Exclusive tribal lending opportunities


We offer tailored financial solutions for tribes and tribal members, meeting diverse needs

Bureau of Indian Affairs (bia) Lender

The Divison of Capital Investment (DCI) assists American Indian and Alaska Native Tribes and individuals in obtaining favorable interest rates and overcoming obstacles to traditional financing through the Indian Loan Guarantee and Insurance Program (ILGP) The Indian Financing Act (25 CFR 103) grants authorization to provide loan guarantees.

HUD 184 Lender

  • Legacy Bank serves as a broker and leverages its partnerships to assist individuals in their pursuit of HUD 184 loans.
  • With HUD 184 financing, borrowers can get into a home with a low down payment and flexible underwriting. HUD 184 loans can be used both on and off native lands, for new construction, rehabilitations, purchase of existing home, or refinance. HUD 184 is synonymous with home ownership in Indian Country.
  • Must be a Tribal Member to qualify.

Other Lending Opportunities

Unlock your potential with specialized loans catering to individuals, small business, non-profits, and various organizations available exclusively at our bank, Including:

  • Business Expansion
  • Purchasing Commercial Reals Estate
  • Purchasing Equipment or Inventory
  • Working Capital
  • Business Acquisition
  • Debt Refinancing

Tribal Team


Bridgette Loya

Bridgette Loya

VP, Relationship Manager


Michael Vantrease

Michael Vantrease

SVP, Chief of Staff



Financial Wellness

We offer Financial Wellness Classes for tribes, catering to both youth and adults, encompassing a comprehensive range of 23 training sessions. These sessions encompass various topics, including but not limited to:

  • Budgeting
  • Money management
  • Saving
  • Planning for the future
  • Retirement planning
  • Best practices
  • Paying bills to name a few

In addition to classes, we provide an interactive exercise known as "Spending Frenzy" allowing attendees to apply their newly  acquired skills in a controlled environment. As a Tribal-Owned Institution, we are committed to accompanying you and your future generations on this journey.

Workforce Development

We provide comprehensive Workforce Development Training, covering a broad range of topics, including but not limited to:

  • Resume-writing
  • Interviewing skills
  • Dress code for an interview
  • Provide mock interviews and helpful critiques

Financial Education Training



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Treasury Management Solutions

Online banking and additional solutions to manage your accounts effectively and securely, such as (but not limited to) ACH Origination, Corporate Capture, and Positive Pay.

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Government-Guaranteed Lending Solutions

Explore solutions such as (but not limited to) SBA 7(a), SBA 504, USDA, and State Guarantee.

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Business Account

Deposit Account Solutions including (but not limited to) Business Checking, Analysis Checking, Business Savings, Business Money Market, and Liquid CDs.

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Commercial Lending Solutions

Lending Solutions such as (but not limited to) Term Loans, Lines of Credit, and Owner-Occupied/Investor Real Estate.

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Wisdom Speaks Podcasts

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Wisdom Speaks Podcast with Chairman Jonathan Smith

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