VISTA BANK

DALLAS, TX | Large | RSSD #645465
Latest Report: 2025-12-31

VISTA BANK is aln large FDIC-insured commercial bank headquartered in DALLAS, TX. As of 2025-12-31, the bank reported total assets of $2.5B and total deposits of $2.2B. Profitability stands at 1.31% ROA and 11.25% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 15.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 4.48%.

Assets

$2.5B

Deposits

$2.2B

Loans

$2.0B

Equity

$305M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 11.25%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.89%
Cost of Funds 4.77%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.59%
Texas Ratio 4.48%
NPA Ratio 0.58%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 15.06%
Tier 1 Capital 15.06%
Total Capital Ratio 16.13%
Leverage Ratio 12.02%
Loan-to-Deposit 88.28%

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