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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #320052 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.55% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.3% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    ↑ +14
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +4
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.3%, cash 12.6% of assets.

Cash / Assets
12.56%
Loans / Deposits
66.31%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +14
90
Sub-score

Securities profile is strong: securities 23.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.99%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 16.94%, CET1 16.94%, leverage 9.70%.

Tier 1 RBC
16.94%
CET1
16.94%
Leverage
9.70%
No watch items at this period.

Asset Quality

StableQoQ +2
63
Sub-score

Asset quality is stable: Adjusted NPL 5.55%, Texas Ratio 31.3%, NCO YTD -0.03%.

Adjusted NPL
5.55%
Govt-guarantees stripped
Texas Ratio
31.3%
NCO YTD
-0.03%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.55% (govt-guarantees stripped).

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 1.66% of loans, coverage 30.3%, true coverage 30.3%.

ALLL / Loans
1.66%
Coverage
30.3%
True Loss Coverage
30.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.3% (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