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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-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

2025-Q2

Bank #320052 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.77% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -13
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -7
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.7%, cash 6.1% of assets.

Cash / Assets
6.07%
Loans / Deposits
63.70%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -13
60
Sub-score

Securities profile is deteriorating: securities 32.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.03%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 16.99%, CET1 16.99%, leverage 9.19%.

Tier 1 RBC
16.99%
CET1
16.99%
Leverage
9.19%
No watch items at this period.

Asset Quality

StableQoQ +5
65
Sub-score

Asset quality is stable: Adjusted NPL 4.77%, Texas Ratio 27.5%, NCO YTD 0.03%.

Adjusted NPL
4.77%
Govt-guarantees stripped
Texas Ratio
27.5%
NCO YTD
0.03%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.77% (govt-guarantees stripped).

Reserves

RiskQoQ -1
35
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 32.7%, true coverage 32.7%.

ALLL / Loans
1.54%
Coverage
32.7%
True Loss Coverage
32.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.7% (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