BanksVISTA BANK

VISTA BANK

DALLAS, TXLargeRSSD #645465
Latest · 2025-12-31

VISTA BANK is an 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%. CET1 capital ratio: 15.06%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 4.48%. Operates 12 domestic branches.

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 Margin4.30%
Yield on Assets6.89%
Cost of Funds2.71%

Asset Quality

NPL Ratio0.28%
Net Charge-Off Ratio0.59%
Texas Ratio4.48%
NPA Ratio0.58%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio15.06%
Tier 1 Capital15.06%
Total Capital Ratio16.13%
Leverage Ratio12.02%
Loan-to-Deposit88.28%

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