Institution Statistics
| Vista Bank Texas | | FDIC Certificate # | 20349 | | BankRate Report | View | | Year Established | 1971 | | Employees | 102 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $577.63 million | | Loans | $370.13 million | | Deposits | $445.51 million | | Equity Capital | $77.99 million | | Loan Loss Allowance | $5.13 million | | Unbacked Noncurrent Loans | $299,000 | | Real Estate Owned | $2.58 million |
Historic Data - September 2010 | | Assets | $434.90 million | | Equity Capital | $55.17 million | | Loan Loss Allowance | $4.09 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.97% | | Return on Assets | 1.32% | | Return on Equity | 10.46% | | Interest Income | $16.07 million |
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Institution Health
Overall Score:
5 out of 5 
| 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 September 30, 2011 Vista Bank Texas had $2.88 million in non-current loans and owned real-estate with $83.13 million in equity and loan loss allowances on hand to cover it. This gives Vista Bank Texas a Texas Ratio of 3.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Vista Bank Texas has increased its total deposits by $122 million, resulting in 37.71% 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 Vista Bank Texas has shown is excellent. | | Capitalization | | | 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. Vista Bank Texas has $577.63 million in assets with $83.13 million in equity, resulting in a capitalization level of 14.39%, which is excellent. |
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