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ENTREPRENEURS BANKING ENTREPRENEURS

VISTA BANK

Investor Relations

Record earnings driven by our metro markets and continued long-standing West Texas relationships.

2023 was the strongest year in Vista Bank's 112-year history.

While 2023 was a year of uncertainty and unrest within the overall economy and financial industry specifically, Vista Bank maintained robust liquidity, increased our earnings, and continued to grow, resulting in the strongest year in the Bank’s 112-year history.

Recently ranked #10 out of 606 banks between $1-5 billion in assets nationally by CB Resource, Inc., Vista Bank remains intensely focused on core banking fundamentals including capital, liquidity, strategic M&A, and attracting and retaining the strongest talent in the industry.

Vista Bank at a Glance*

Vista Bancshares is a 112-year-old community bank holding company with $2.2 billion in assets and 17 locations spanning North, Central, West Texas and Palm Beach, Florida. With an innately conservative credit culture, Vista has a demonstrated history of maintaining resilient asset quality through a century of economic downturns. Having built a diverse loan portfolio with short-term maturities, Vista focuses on disciplined organic loan growth and strategic M&A opportunities. The board, founding family, and senior management control 60+% of the total shares, closely aligning our daily purpose with shareholder interest. Finally, in the past seven years, we’ve invested more than $19 million in people, software and information technology which speaks to our commitment to proactive risk management.*

  • Privately owned
  • Domiciled in Dallas, Texas
  • CEO: John D. Steinmetz
  • Asset Size: $2.2 billion
  • Total Loans: $1.6 billion
  • Total Deposits: $2.0 billion
  • Valued Clients: 16,382
  • Valued Team Members: 225

*Overview as of December 31, 2023 per publicly filed call report.

2022 Financial Highlights*

hjighlights2

*per December 31, 2022 publicly filed call report.

December 31, 2023 YTD Financial Highlights

  • YTD Net Income of $26.2 million.
  • Returns on Average Assets and Equity of 1.43% and 12.66%, respectively.
  • Robust Net Interest Margin of 4.51%  and low Efficiency Ratio of 55.81%.
  • Strong annualized loan and deposit growth of 30.6% and 45.2%, respectively.
  • Strong liquidity with cash and securities representing approximately 21.3% and 6.4% of total assets, respectively.
  • Continued solid credit metrics with non-performing assets of 0.08% of total assets.

*per publicly filed December 31, 2023 call report

Investor Contact: Matt Willis, Board Secretary & Director of Investor Relations – [email protected]