Vista Bank (merged into NBH Bank)
Vista Bank reported total assets of $2.5 bn at Q4 2025, its last Call Report before it merged into NBH Bank. The CET1 capital ratio at Vista Bank was 15.06%, and the uninsured share of Vista Bank was 45.18%. Source: FDIC Call Reports.
Key takeaways
- Since , Vista Bank has taken over 2 institutions; the latest was Charis Bank on (FDIC Call Reports).
What sets Vista Bank apart
How large is Vista Bank?
The balance sheet of Vista Bank at : assets $2.5 bn, deposits $2.2 bn, net loans $1.9 bn (loans equal to 87.27% of deposits). Securities make up 5.8% of total assets at Vista Bank. Since , when Vista Bank held $327.5 mn, its assets grew 676.0%. In the year to , deposits at Vista Bank fell 3.8% while its total assets fell 2.2%. At , Vista Bank employed 195 full-time equivalent staff across 16 offices, about $13.0 mn of assets per employee and $138.1 mn of deposits per office.
How much funding at Vista Bank is uninsured?
At Vista Bank, uninsured deposits (above the FDIC limit) made up 45.18% of domestic deposits at (-1.85 pp on a year earlier). In dollars, Vista Bank estimated $998.2 mn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | $2.3 bn (Q4 2024) | |
| Net loans and leases | $1.9 bn | $1.9 bn (Q4 2024) | |
| Loan-to-deposit ratio | 87.27% | 83.72% (Q4 2024) | |
| Tier 1 leverage ratio | 12.02% | 10.56% (Q4 2024) | |
| Total risk-based capital ratio | 16.13% | 14.21% (Q4 2024) | |
| Net interest margin | 3.95% | 3.96% (Q4 2024) | |
| Return on assets (ROA) | 1.33% | 1.18% (Q4 2024) | |
| Efficiency ratio | 52.20% | 58.84% (Q4 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.6 mn | Narrowed by $1.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.9 mn | Narrowed by $2.1 mn | |
| Noncurrent loans to total loans | 0.53% | 0.23% (Q4 2024) | |
| Net charge-offs to average loans | 0.60% | 0.00% (Q4 2024) |
US rank of Vista Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Vista Bank: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.2bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Vista Bank stood at 15.06% in , +1.88 pp year on year. Low and high at Vista Bank since : 11.24% () to 16.72% (). Equity capital of Vista Bank at : $304.8 mn, or 12.0% of total assets. Vista Bank also reported a total capital ratio of 16.13% for , and a tier 1 leverage ratio of 12.02%.
On held-to-maturity securities, Vista Bank carried an unrealized loss of $2.6 mn at , equal to 0.8% of equity capital. The loss narrowed by $1.2 mn over the year. Its deepest point: $6.5 mn in . The available-for-sale portfolio of Vista Bank showed an unrealized loss of $2.9 mn at ; the loss narrowed by $2.1 mn over the year.
Vista Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 12%
Vista Bank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , Vista Bank earned a return on equity of 11.83%; return on assets: 1.33%. Net interest margin at Vista Bank: 3.95%, -0.01 pp in a year. Vista Bank net income: $33.3 mn, up 19.7% year on year. The efficiency ratio of Vista Bank was 52.20%: about 52 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.53% of total loans at Vista Bank; net charge-offs: 0.60% of average loans. Gross loans and leases at Vista Bank: $2.0 bn at , against $1.9 bn at .
Vista Bank: profitability
- Return on equity 12%
- Net interest margin 3.9%
- Return on assets 1.3%
Peer group of Vista Bank
The peer group of Vista Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Vista Bank (state member bank) and 0 have head offices in Texas. Against them, Vista Bank shows CET1 ratio 15.06% against a peer median of 12.23%, return on equity 11.83% against a peer median of 10.92% and uninsured deposit share 45.18% against a peer median of 35.60%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 11.44% | 32.72% | |
| First National Bank | National bank | AR | $2.6 bn | 13.55% | 9.16% | 38.49% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 9.40% | 28.51% | |
| Vista Bank | State member bank | TX | $2.5 bn | 15.06% | 11.83% | 45.18% | |
| CalPrivate Bank | State nonmember bank | CA | $2.5 bn | 12.64% | 16.37% | 52.20% | |
| Beverly Bank & Trust Company | National bank | IL | $2.5 bn | 11.83% | 14.25% | 29.10% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.5 bn | 10.56% | 10.40% | 40.93% | |
. FDIC Call Reports.
Last eight quarters
Two years at Vista Bank, to : assets $2.3 bn to $2.5 bn, deposits $2.0 bn to $2.2 bn, equity $239.0 mn to $304.8 mn. Staff 230 to 195; offices 22 to 16.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.3 bn | $2.2 bn | $2.4 bn | $2.6 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn |
| Total deposits | $2.0 bn | $1.9 bn | $2.1 bn | $2.3 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $239.0 mn | $246.0 mn | $254.2 mn | $261.9 mn | $271.7 mn | $278.2 mn | $288.7 mn | $304.8 mn |
| CET1 ratio | 14.44% | 13.60% | 13.15% | 13.18% | 14.48% | 14.68% | 14.88% | 15.06% |
| Return on equity (ROE) | 9.58% | 10.43% | 10.55% | 11.25% | 14.44% | 12.52% | 12.07% | 11.83% |
| Uninsured share of domestic deposits | 40.44% | 45.05% | 48.81% | 47.03% | 44.67% | 43.75% | 47.07% | 45.18% |
| Full-time equivalent employees | 230 | 231 | 236 | 236 | 199 | 199 | 198 | 195 |
| Number of offices | 22 | 23 | 23 | 23 | 16 | 16 | 16 | 16 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Vista Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Hamlin National Bank (FDIC certificate 3244).
- . Absorbed Charis Bank (FDIC certificate 12308).
- . Merged into NBH Bank (FDIC certificate 59052).
Questions and identifiers
What were the total assets of Vista Bank?
Vista Bank reported $2.5 bn at in its Call Report.
Is Vista Bank the same as its holding company?
No. This page covers Vista Bank, FDIC certificate 1210; VISTA BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Vista Bank profitable?
Vista Bank reported net income of $33.3 mn for the year to ; annualized return on equity: 11.83%. So yes: Vista Bank made a profit over these months.
When is data for Vista Bank next updated?
Vista Bank no longer files Call Reports; its data ends at .
Where can I check the figures for Vista Bank?
In the FDIC BankFind Suite record for certificate 1210, and in the Call Reports of Vista Bank (RSSD ID 645465) at the FFIEC Central Data Repository.