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Legacy Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #320052 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.83% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.0% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    ↓ -33
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -10
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.7%, cash 5.5% of assets.

Cash / Assets
5.46%
Loans / Deposits
66.69%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -33
67
Sub-score

Securities profile is stable: securities 29.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.78%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 15.93%, CET1 15.93%, leverage 9.35%.

Tier 1 RBC
15.93%
CET1
15.93%
Leverage
9.35%
No watch items at this period.

Asset Quality

WatchQoQ +11
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.83%, Texas Ratio 34.9%, NCO YTD 0.50%.

Adjusted NPL
5.83%
Govt-guarantees stripped
Texas Ratio
34.9%
NCO YTD
0.50%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.83% (govt-guarantees stripped).

Reserves

RiskQoQ -1
33
Sub-score

Reserves are weak: ALLL 1.49% of loans, coverage 26.0%, true coverage 26.0%.

ALLL / Loans
1.49%
Coverage
26.0%
True Loss Coverage
26.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.0% (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