ViewPoint Financial Group is a federally chartered stock holding company for ViewPoint Bank (the Bank). The Bank is a stock savings bank whose principal business consists of attracting retail deposits from the general public and the business community, and investing those funds along with borrowed funds in permanent loans secured by first and second mortgages on owner-occupied, one- to four-family residences and commercial real estate, as well as by first liens on business non-mortgage assets and automobiles. In addition, its warehouse lending program provides credit facilities to mortgage loan originators for the funding of one-to four-family real estate loans. It also offers brokerage services for the purchase and sale of non-deposit investment and insurance products through a third-party brokerage arrangement.(Source: 10-K)