# VISTA BANK
DALLAS, TX · FDIC certificate 1210 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.54B | |
| Deposits | $2.21B | |
| Loans and leases | $1.95B | |
| Total equity | $304.8M | |
| Loans / deposits | 87.27% (p53 of band) | 86.41% |
| Liquid assets / assets | 19.19% (p41 of band) | |
| Uninsured deposits / deposits | 45.18% (p84 of band) | 31.00% |
| Brokered deposits | 7.78% | |
| Wholesale funding | 8.18% (p57 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 12.02% (p78 of band) | 10.37% |
| Unrealized securities loss / equity | -1.78% (p79 of band) | -7.29% |
| AOCI / equity | 0.53% (p15 of band) | |
| ROA (annualized) | 1.33% (p66 of band) | 1.12% |
| Net interest margin | 3.95% (p72 of band) | 3.59% |
| Efficiency ratio | 52.20% (p25 of band) | |
| Noncurrent loans | 0.53% (p53 of band) | 0.50% |
| Net charge-offs (annualized) | 0.46% (p93 of band) | |
| Reserve coverage of noncurrent | 215.59% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 98.98% (p86 of band) | |
| Auto loans | $583,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 195 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 1 | capital falling | wholesale funding >15% |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2015-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | wholesale funding >15% | charge-offs p90 |
| 2016-09 | 1 | capital falling | wholesale funding >15% |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | brokered >10% |  |
| 2018-09 | 3 | capital falling, charge-offs p90, construction >100% equity | brokered >10% |
| 2018-12 | 5 | losing money, expense ratio p90 |  |
| 2019-03 | 1 |  | capital falling, charge-offs p90, losing money, expense ratio p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 | wholesale funding >15% | capital falling |
| 2020-09 | 1 |  | construction >100% equity |
| 2020-12 | 1 | uninsured deposits >50% | wholesale funding >15% |
| 2021-03 | 1 | capital falling | uninsured deposits >50% |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | charge-offs p90 | uninsured deposits >50% |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-13 [National Bank Holdings Corporation Completes Vista Bank Acquisition - SoCo Digest](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUlZnS296SzBJQTBxTGs5XzJIVWN1azBBYkc5aExwcFZIUFh2SUZUckVwYW1sRTg3SXRpT1hFR2RiOUFETkhYNFFxazVtc3ZOb3FvMGw1QWpGVXRLbW9XQjh6cEM1WjZVN01BR2V4Ym9YSFQ5R0FycHN2RjBEZnN1S01rZEdCVFoyYVgxbk5pQmdDSUlrTmxlNDhjOEc5QWpHLTVZUQ?oc=5) · SoCo Digest
- 2025-12-23 [Buyout of Vista Bank gets key regulatory approval - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcTRfNExNdXRQcUVsQUhEekRkOVZmcDByNmEyWXJYODhnazExRUtnZHJHZTRKRHdnajdmQTlhNDFpbVhPRmdIekczaGFQQy1kTWtnd1VWZUVQTFpSQjdxM3FwTVBaZHdQTTlDbTRxemdEU2lDSXVpTUtTYVlwZndkZGlOVE5fZWFyM0dCN3RPeFBsQURTUlRNbDYyaEpwTG5aQ0Rn?oc=5) · The Business Journals
- 2026-01-07 [NBH Bank Acquires Vista Bank for $377 Million - PYMNTS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMEk1Ni1LVTB4LVh1QUdJbWVpeEdCSTMzZ1c2dVVYMVpxUHNwTkl2T1dZRGIyN1JPTURoa19CMHlmWlZCNEhobm51WnZkN1p1alNNd2sxMDNQdVpQR2ZvYW5RalNaczZqQXN4czdQZ0R0ektncERBWlFlVFZwOFlwT1F1RnFHRUlmOHh1aUljdw?oc=5) · PYMNTS.com
- 2026-02-23 [Full House in South Dallas: Sen. Royce West Rallies Community at Vista Bank’s Black History Month Breakfast - Dallas Weekly](https://news.google.com/rss/articles/CBMickFVX3lxTFBvUUFMOGZnQXhDYVRabXhWMlZDclYzbDlMbmhmV3BfdXlkVkctZHhIVEJKUDVpSHJyWjlvVGZ2MkJDYVZlMHh1ZFdaQkgwNWVNRGtudTdSWjFIanZrS3J0T3Uzd19WRV9CSHhNUDBVUG9aQQ?oc=5) · Dallas Weekly
- 2025-10-08 [Vista Bank Wins Texas Best of Community Banking Award - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxPUmJCSmtDeGJmWUN1dTgtWDJCVkF3bEZldUhsSGpVR3Mwd01mMmlPNEdWNTNFLXBlNFhiMVZFX1B5R3RVaV9LMFN4LTE1ZnJtQWc2SFdVRHNxZ0p2UXRWRWZORjNuTlNibVJvOWEzdFlmR0IwSEhGNXQ2YlVXU2p0SDhqV2N0SXhtdjVFQkY4OUplVEhsUktxMjFIQlEtVl84MG10cGVTUV91bE1ZeEE?oc=5) · PR Newswire
- 2025-09-16 [National Bank Holdings to acquire Texas lender for $369M - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNkFEUUlOblhja0pFQTE2ZWZMQWNxbzRDRl84RkZUU1FVNjhJeWlJbnBrbHNLZERPSGxtVXEzb0I0QUpFNm50cWdlb0w3aVhBQ2VBa0w5dV9lRkV6SF9jTGMydmdUM3MwNFB1NVpmVnhBZEx5WDNGSGVHbW5VYVk3bjJTTS1wcmdITVk1b2RPaVFfNWlEenFydA?oc=5) · Banking Dive
- 2026-01-08 [Bank Midwest will become Vista Bank with closing of deal, settling of trademark dispute - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcGx4ZHdTZU56c0tNT3g4Mk5JZi02RXZYZXBUNWtuUmd5bGFOeU9nU2dKdHZXWmpFdWpaUFIwZExiMkFRS3JPSUJSejhWOGtSZ3lPLWFuNlVTa2J4S1VaQ1hCaWpmWC1OUGtyR3owQTk1MkZYeUFqVkw2cEczTi1ielNjYUFiZUhtVGJCNFlDM3VJeU1XZHJScGlERERKRWlwclNtaFp3c3MyX1U3?oc=5) · The Business Journals
- 2025-09-17 [National Bank Holdings agrees to buy Vista Bancshares in $369m deal - Retail Banker International](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMExrdC00S0hWUDNZRmpab2pyblhSNWg4d2hjVzhpR1BGdWZteWdrSE9SN1lvcVRpODdSOE1jOTNUWjNZR1B3WTQ2Q3NfMWt1Y0l4ckpmcHFZbXFhY2dUa3RLMnhoZEYzZWNHN3NkeFNSb2dNU2R6bFBIa1QtSDg4N3FYSQ?oc=5) · Retail Banker International

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1210 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "1210", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide