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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ +5

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

Quarterly Headline

2025-Q1

Bank #320052 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.40% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    ↑ +6
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +9
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.4%, cash 9.4% of assets.

Cash / Assets
9.38%
Loans / Deposits
64.38%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +6
73
Sub-score

Securities profile is stable: securities 28.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.13%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 16.97%, CET1 16.97%, leverage 9.37%.

Tier 1 RBC
16.97%
CET1
16.97%
Leverage
9.37%
No watch items at this period.

Asset Quality

WatchQoQ +7
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.40%, Texas Ratio 25.4%, NCO YTD 0.10%.

Adjusted NPL
4.40%
Govt-guarantees stripped
Texas Ratio
25.4%
NCO YTD
0.10%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.40% (govt-guarantees stripped).

Reserves

RiskQoQ +3
36
Sub-score

Reserves are weak: ALLL 1.52% of loans, coverage 35.0%, true coverage 35.0%.

ALLL / Loans
1.52%
Coverage
35.0%
True Loss Coverage
35.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.0% (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