Vitals
  • Total Assets
    395.3M 19.5 %
  • Total Deposits
    342.5M 34.3 %
  • Total Net Loans
    293.6M 20.3 %
  • Net Income
    3.3M 7.9 %
  • Book Value
    47.3M 7.0 %
  • Book Value x2
    94.6M 7.0 %
  • Book Value x3
    141.9M 7.0 %
ROAA

.895

ROAE

7.128

Efficiency Ratio

69.675

Net Interest Margin

4.844

Balance Sheet Highlights
Financial Highlights Vista Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 395,258 358,087
Total Net Loans 293,556 213,533
Total Deposits 342,492 308,027
Total Equity 47,288 38,740
Profitability
Net Income 3,282 3,845
Return on Average Assets .895 1.025
Return on Average Equity 7.128 9.415
Net Interest Margin 4.844 3.773
Efficiency Ratio 69.675 66.762
Noninterest Income/Revenue 9.461 16.375
Balance Sheet Ratios
Loan-to-Deposit 85.712 65.494
Securities/Assets .086 .214
Total Equity/Total Assets .12 .108
Tangible Equity/Tangible Assets .113 .104
Capital Adequacy
Tier 1 Common Capital 44,308 37,278
Tier 1 Capital 44,308 37,303
Tier 2 Capital 3,215 2,526
Total Capital 47,523 39,866
Total Risk Weighted Assets 309,173 237,367
Leverage Ratio 10.99 10.563
Common Equity Tier 1 Capital Ratio 14.33 18.073
Tier 1 Capital Ratio 14.33 18.097
Total Capital Ratio 15.37 19.169

Timeline for Vista Bank

Transaction Management, Llc

Transaction Management, Llc became a new subsidiary organization for Vista Bank.

View Profile Sep 30 2003

Fnb West Texas

Acquisition: Vista Bank acquired a new subsidiary, Fnb West Texas, 22 years

View Profile Jan 02 2002

Security Bank

Acquisition: Vista Bank acquired a new subsidiary, Security Bank, 23 years

View Profile Aug 25 2000

First State Bank

Acquisition: Vista Bank acquired a new subsidiary, First State Bank, 25 years

View Profile Dec 02 1998

Mclaughlin Delaware Bancshares, Inc.

Mclaughlin Delaware Bancshares, Inc. became a new parent organization for Vista Bank.

View Profile Aug 26 1998

Want to see more?

Complete timeline for Vista Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Fnb West Texas Seller 39,815 Acquisition Discontinued 1/2/2002
Security Bank Seller 34,849 Pooling of Interests Discontinued 8/25/2000
First State Bank Seller 15,590 Pooling of Interests Discontinued 12/2/1998
Relationships Role Relationship Start Relationship End
Vista Bancshares, Inc. Parent 12/23/2009
Mclaughlin Delaware Bancshares, Inc. Parent 8/26/1998 12/22/2009
Vista Bancshares, Inc. Parent 10/25/1985 8/25/1998
Transaction Management, Llc Subsidary 9/30/2003 8/25/2014
Cash On Demand, Inc. Subsidary 7/19/1982 3/31/1997
Similar Organizations
Organization City State Total Assets
The Andover Bank
 		Andover OH 401.2M
Pioneer Bank
 		Mapleton MN 403.3M
Central Bank Of Sedalia
 		Sedalia MO 411.4M
Security Financial Bank
 		Durand WI 412.8M
North American Banking Company
 		Roseville MN 383.5M
Professional Bank
 		Coral Gables FL 371.6M
New Tripoli Bank
 		New Tripoli PA 401.0M
American State Bank & Trust Company
 		Great Bend KS 401.7M
Fnbc Bank
 		Ash Flat AR 403.3M
Eagle Bank And Trust Company
 		Little Rock AR 392.5M