Vista Bank
Dallas, TX · Cert 1210 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=21)
FDIC · 12 branches
Q4 2025
$2.5BAssets
$2.0BLoans
$2.2BDeposits
$304.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 21).
- Widest gap: brokered deposits / deposits trails 76% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 17 of 21).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.31%
Rank 7 of 21
Net Interest Margin
3.77%
Rank 4 of 21
Efficiency Ratio
52.68%
Rank 5 of 21
Equity / Assets
12.00%
Rank 9 of 21
Non-interest income vs. expense
Unfavorable gap of $41.4M · efficiency ratio beats 81% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.89% | 0.94% | 1.40% | Beats 67% | 7 / 21 | | |
| Return on Equity | 10.91% | 7.19% | 9.98% | 12.10% | Beats 52% | 10 / 21 | | |
| Net Interest Margin | 3.77% | 2.47% | 3.21% | 3.47% | Beats 81% | 4 / 21 | | |
| Efficiency Ratio | 52.68% | 56.09% | 65.32% | 70.60% | Beats 81% | 5 / 21 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.06% | 0.40% | 0.87% | Beats 48% | 12 / 21 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.06% | 13.91% | 15.00% | 15.87% | Beats 52% | 10 / 21 | | |
| Total Risk-Based Capital Ratio | 16.13% | 14.69% | 15.70% | 16.92% | Beats 57% | 9 / 21 | | |
| Equity / Assets | 12.00% | 8.57% | 10.63% | 12.37% | Beats 57% | 9 / 21 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.28% | 64.42% | 76.75% | 88.28% | 71st pctl | 6 / 21 | | |
| Loans / Assets | 76.76% | 54.12% | 68.17% | 75.75% | 76th pctl | 5 / 21 | | |
| Brokered Deposits / Deposits | 8.95% | 0.00% | 4.64% | 8.85% | Beats 24% | 17 / 21 | | |