Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
901 Main Street
Ralls, TX 79357

Vista Bank is headquartered in Ralls and is the 210st largest bank in the state of Texas. It is also the 2,477th largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 74 employees at 11 locations. Vista Bank has a A+ health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


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 Vista Bank had $938,000 in non-current loans and owned real-estate with $25.7 million in equity and loan loss allowances on hand to cover it. This gives Vista Bank a Texas Ratio of 3.65% 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 decreased dramatically from 11.77% as of December 31, 2012 to 3.65% as of December 31, 2013, resulting in a positive change of 69.00%.This indicates that the balance sheet and financial strength for Vista Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Vista Bank has increased its total deposits by $19.93 million, resulting in 9.39% 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 has shown is excellent.



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 has $257.42 million in assets with $25.7 million in equity, resulting in a capitalization level of 9.98%, which is above average.

Institution Statistics

FDIC Certificate #1210
Year Established1912
Primary RegulatorFED
Assets and Liabilities
Assets$257.42 million
Loans$147.46 million
Deposits$232.20 million
Equity Capital$23.69 million
Loan Loss Allowance$2.01 million
Unbacked Noncurrent Loans$938,000
Real Estate Owned$0
Historic Data - December 2012
Assets$239.80 million
Equity Capital$25.49 million
Loan Loss Allowance$1.76 million
Unbacked Noncurrent Loans$938,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets0.56%
Return on Equity5.54%
Interest Income$10.41 million

Sorry, we do not have rate data for Vista Bank


Vista Bank Locations
Crosbyton Branch104 West Main StreetCrosbyton, TX 79322
Petersburg Branch1523 MainPetersburg, TX 79250
Plainview Branch3000 Olton RoadPlainview, TX 79072
Idalou Branch301 Main StreetIdalou, TX 79329
Abernathy Branch317 MainAbernathy, TX 79311
98th Street Lubbock Branch4515 98th StreetLubbock, TX 79424
Lubbock 50th Street Branch4621 50th StreetLubbock, TX 79414
Hale Center Branch701 Main StreetHale Center, TX 79041
Lorenzo Branch705 6th StreetLorenzo, TX 79343
Vista Bank901 Main StreetRalls, TX 79357