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Legacy Bank

IDRSSD: 268828
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #268828 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.54% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ -17
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.4%, cash 1.5% of assets.

Cash / Assets
1.54%
Loans / Deposits
81.38%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.54% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.11%, CET1 27.11%, leverage 20.28%.

Tier 1 RBC
27.11%
CET1
27.11%
Leverage
20.28%
No watch items at this period.

Asset Quality

StableQoQ -2
80
Sub-score

Asset quality is stable: Adjusted NPL 1.72%, Texas Ratio 5.3%, NCO YTD 0.21%.

Adjusted NPL
1.72%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.21%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
38
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 66.7%, true coverage 58.4%.

ALLL / Loans
1.13%
Coverage
66.7%
True Loss Coverage
58.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:16:26 UTC