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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #320052 2026-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -5
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -2
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.9%, cash 5.9% of assets.

Cash / Assets
5.87%
Loans / Deposits
63.90%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -5
61
Sub-score

Securities profile is stable: securities 31.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.76%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 15.41%, CET1 15.41%, leverage 8.74%.

Tier 1 RBC
15.41%
CET1
15.41%
Leverage
8.74%
No watch items at this period.

Asset Quality

StrongQoQ 0
91
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 7.9%, NCO YTD 0.03%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.03%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
83
Sub-score

Reserves are strong: ALLL 1.56% of loans, coverage 124.5%, true coverage 124.5%.

ALLL / Loans
1.56%
Coverage
124.5%
True Loss Coverage
124.5%
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.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