# VISTA BANK TEXAS
HOUSTON, TX · FDIC certificate 20349 · asset band $300M-1B · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $665.2M | |
| Deposits | $508.9M | |
| Loans and leases | $503.5M | |
| Total equity | $85.1M | |
| Loans / deposits | 97.77% (p90 of band) | 76.35% |
| Liquid assets / assets | 19.90% (p23 of band) | |
| Uninsured deposits / deposits | 34.51% (p90 of band) | 16.95% |
| Brokered deposits | 4.86% | |
| Wholesale funding | 15.38% (p87 of band) | |
| FHLB advances / assets | 10.52% | |
| Tier 1 leverage | 12.16% (p83 of band) | 9.87% |
| Unrealized securities loss / equity | 0.92% (p74 of band) | -0.27% |
| AOCI / equity | -0.57% (p81 of band) | |
| ROA (annualized) | 0.80% (p48 of band) | 0.82% |
| Net interest margin | 4.22% (p86 of band) | 3.54% |
| Efficiency ratio | 66.76% (p41 of band) | |
| Noncurrent loans | 0.03% (p4 of band) | 1.37% |
| Net charge-offs (annualized) | 0.04% (p36 of band) | |
| Reserve coverage of noncurrent | 3839.22% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 117.88% (p95 of band) | |
| Auto loans | $1.3M (0.25% of loans; DQ 0.95%, NCO 0.00%) | |
| Loans to nondepository financials | $16.9M (20% of equity) (p98 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | loans exceed deposits, construction >100% equity |  |
| 2013-06 | 2 | wholesale funding >15% | loans exceed deposits |

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

- 2010-10-19 [Al Celinski Obituary - The Woodlands, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNOWVKSGdGdkNrNU53WVBiVFU4MlN2UXdyZVlZSG1oVXNQT0U1S0U5cGVZZTJoUXI2cW9sam5kU0o3MzRiMkVGZFU0dkstUDRwRFFjSEdyc3Z0clRHQ3IyNTlrbmp3aVFNVWtsQjdVdHoxeTFVc1VYVmZ6ZlNRamhnNkdvRkVodw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20349 (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/61.json (key "20349", 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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