Liquidity
StrongQoQ +8
93
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 65.2%, cash 6.8% of assets.
- Cash / Assets
- 6.77%
- Loans / Deposits
- 65.18%
- Brokered %
- 0.00%
No watch items at this period.
Legacy Bank
IDRSSD: 320052
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ +15
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q4
Bank #320052 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).
Liquidity:Strong
Securities:Stable
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +15 ptscomposite
- Liquidity↑ +8
- Securities↑ +8
- Capitalization↓ -1
- Asset Quality↑ +25
- Reserves↑ +44
The five pillars
Securities
StableQoQ +8
65
Sub-score
Securities profile is stable: securities 30.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 30.40%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
95
Sub-score
Capital position is strong: Tier 1 RBC 16.00%, CET1 16.00%, leverage 8.83%.
- Tier 1 RBC
- 16.00%
- CET1
- 16.00%
- Leverage
- 8.83%
No watch items at this period.
Asset Quality
StrongQoQ +25
91
Sub-score
Asset quality is strong: Adjusted NPL 1.52%, Texas Ratio 9.2%, NCO YTD -2.12%.
- Adjusted NPL
- 1.52%
- Texas Ratio
- 9.2%
- NCO YTD
- -2.12%
- 30-89 PD
- 0.00%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +44
79
Sub-score
Reserves are stable: ALLL 1.59% of loans, coverage 106.4%, true coverage 106.4%.
- ALLL / Loans
- 1.59%
- Coverage
- 106.4%
- True Loss Coverage
- 106.4%
No watch items at this period.
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.tsfor 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