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Legacy Bank

IDRSSD: 320052
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #320052 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.48% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↓ -24
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -4
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.2%, cash 8.2% of assets.

Cash / Assets
8.18%
Loans / Deposits
66.18%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -24
76
Sub-score

Securities profile is stable: securities 27.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.33%
No watch items at this period.

Capitalization

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 17.33%, CET1 17.33%, leverage 9.82%.

Tier 1 RBC
17.33%
CET1
17.33%
Leverage
9.82%
No watch items at this period.

Asset Quality

StableQoQ +17
61
Sub-score

Asset quality is stable: Adjusted NPL 5.48%, Texas Ratio 30.2%, NCO YTD 0.12%.

Adjusted NPL
5.48%
Govt-guarantees stripped
Texas Ratio
30.2%
NCO YTD
0.12%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.48% (govt-guarantees stripped).

Reserves

RiskQoQ 0
34
Sub-score

Reserves are weak: ALLL 1.64% of loans, coverage 30.4%, true coverage 30.4%.

ALLL / Loans
1.64%
Coverage
30.4%
True Loss Coverage
30.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.4% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 16:18:36 UTC