Vista Bank Texas

Vista Bank Texas is headquartered in Houston and is the 79^th largest bank in the state of Texas. It is also the 1,106^th largest bank in the nation. It was established in 1971 and as of December of 2012, it had grown to 119 employees at 8 locations. Vista Bank Texas has a 5-star health rating.

Data for Q4 2012

Institution Statistics Vista Bank Texas FDIC Certificate # 20349 BankRate Report View Year Established 1971 Employees 119 Primary Regulator FDIC Assets and Liabilities Assets $604.67 million Loans $466.72 million Deposits $470.56 million Equity Capital $83.06 million Loan Loss Allowance $5.47 million Unbacked Noncurrent Loans $379,000 Historic Data - December 2011 Assets $616.66 million Equity Capital $78.55 million Loan Loss Allowance $5.22 million Unbacked Noncurrent Loans $407,000 Real Estate Owned $1.26 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.75% Return on Equity 5.56% Interest Income $24.98 million

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 December 31, 2012 Vista Bank Texas had $379,000 in non-current loans and owned real-estate with $88.52 million in equity and loan loss allowances on hand to cover it. This gives Vista Bank Texas a Texas Ratio of 0.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vista Bank Texas decreased significantly from 1.99% as of December 31, 2011 to 0.43% as of December 31, 2012, resulting in a positive change of 78.46%.This indicates that the balance sheet and financial strength for Vista Bank Texas has improved significantly in recent periods. Deposit Growth In the past year, Vista Bank Texas has decreased its total deposits by -$13.54 million, resulting in -2.8% 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 below average. 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 $604.67 million in assets with $88.52 million in equity, resulting in a capitalization level of 14.64%, which is excellent.

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