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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #320052 2025-Q3 Vital Signs Score: 71/100 — 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 34.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -2
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -7
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.5%, cash 3.0% of assets.

Cash / Assets
3.02%
Loans / Deposits
66.51%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -2
58
Sub-score

Securities profile is deteriorating: securities 32.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.68%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 16.68%, CET1 16.68%, leverage 9.18%.

Tier 1 RBC
16.68%
CET1
16.68%
Leverage
9.18%
No watch items at this period.

Asset Quality

StableQoQ +1
66
Sub-score

Asset quality is stable: Adjusted NPL 4.49%, Texas Ratio 26.6%, NCO YTD -0.12%.

Adjusted NPL
4.49%
Govt-guarantees stripped
Texas Ratio
26.6%
NCO YTD
-0.12%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.49% (govt-guarantees stripped).

Reserves

RiskQoQ +1
36
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 34.9%, true coverage 34.9%.

ALLL / Loans
1.54%
Coverage
34.9%
True Loss Coverage
34.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.9% (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