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401 W. George Bush Freeway Suite 101
Richardson, TX 75080

Vision Bank - Texas is headquartered in Richardson and is the 268th largest bank in the state of Texas. It is also the 3,299th largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 24 employees at 1 location. Vision Bank - Texas' money market rates are 48% higher than the national average, and it has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Vision Bank - Texas had $2.42 million in non-current loans and owned real-estate with $17.26 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank - Texas a Texas Ratio of 14.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Vision Bank - Texas experienced no significant changes from 9.97% as of December 31, 2012 to 14.02% as of December 31, 2013, resulting in a negative change of 40.58%. This indicates that the balance sheet and financial strength for Vision Bank - Texas has had no significant changes in recent periods.

Deposit Growth


In the past year, Vision Bank - Texas has increased its total deposits by $551,000, resulting in 0.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vision Bank - Texas has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vision Bank - Texas has $178.9 million in assets with $17.26 million in equity, resulting in a capitalization level of 9.65%, which is above average.

Institution Statistics

FDIC Certificate #58447
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$178.90 million
Loans$106.94 million
Deposits$162.91 million
Equity Capital$15.86 million
Loan Loss Allowance$1.40 million
Unbacked Noncurrent Loans$878,000
Real Estate Owned$1.54 million
Historic Data - December 2012
Assets$176.27 million
Equity Capital$13.76 million
Loan Loss Allowance$1.27 million
Unbacked Noncurrent Loans$878,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.18%
Return on Assets0.56%
Return on Equity6.41%
Interest Income$6.31 million

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Vision Bank - Texas Savings Account Rates

0.65%$100k-Premier Savings
0.10%--Vision Savings

Vision Bank - Texas Money Market Rates

0.65%$100k-Money Market Account

Vision Bank - Texas Checking Account Rates

2.00%-$25kVision Rewards Checking
0.85%--Vision Non-Profit Business Checking
0.85%--IOLTA Interest Business Checking
0.76%--Personal Interest Checking
0.05%--Vision Rewards Checking

Vision Bank - Texas CD Rates

0.90%--3 Year CD
0.80%--2 Year CD
0.70%--1 Year CD
0.25%--120 Day CD
0.25%--180 Day CD
0.10%--30 Day CD
0.10%--90 Day CD

Vision Bank - Texas Locations
Vision Bank - Texas401 W. George Bush Freeway, Suite 101Richardson, TX 75080