With its eye on the Lone Star State, LegacyTexas Financial (formerly ViewPoint Financial) provides retail and commercial banking through its LegacyTexas Bank subsidiary, which operates about 50 branches located mostly in the Dallas/Fort Worth area. LegacyTexas offers standard deposit products such as checking and savings accounts and CDs, and uses deposit funds to originate primarily real estate loans: Commercial Real Estate loans account for nearly 50% of its lending portfolio, while consumer real estate loans make up another nearly 20%. Non-real estate commercial loans make up almost 30% of its loan portfolio.